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

This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated again.
Complaint sub-issue: Investigation took too long

I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX Account # XXXX.has violated your rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A SectionA Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.
Complaint sub-issue: Frequent or repeated calls

I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.
Complaint sub-issue: Trouble with how payments are being handled

In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by Plaza Services llc, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and Plaza Services to investigate the validity of ownership to the debt from XXXX. Plaza Services continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Complaint sub-issue: Company closed your account

My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX  page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions.
Complaint sub-issue: You never received your bill or did not know a payment was due

Credit card never sent the bill and now it has been 60 days. My credit score has dropped by 90 points. This is for My Best Buy Visa Card. Account number. I just found this out today XX/XX/2020. On XX/XX/2020 i used The credit card to buy an item for {$11.00}. On XX/XX/2020 i was charged XXXX in interest. On XX/XX/2020 i was charged XXXX dollar in interest. On XX/XX/2020 i found out that my credit score had dropped by 90 points! I found out That this was due to the fact that i was never billed.
Complaint sub-issue: Debt is not yours

XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX  appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX  sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX  credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this
Complaint sub-issue: Was not notified of investigation status or results

i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Complaint sub-issue: Account information incorrect

XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : EQUIFAX- XXXX : acct. number : XXXX XXXX, XXXX XXXX EQUIFAX- XXXX : acct # XXXX XXXX XXXX- XXXX XXXX XXXX : acct # : XXXX EQUIFAX- XXXX : acct # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- XXXX in sv : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXXXXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EQUIFAX- XXXX : acct. # : XXXX XXXX XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX EQUIFAX- NO CREDITOR NAME : acct # : XXXX EQUIFAX- NO CREDITOR NAME : acct # XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

The particular VANCEHUFFMAN account recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Complaint sub-issue: Problem during payment process

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and TXXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Other problem getting your report or credit score

Equifax Information Services LLCXXXX XXXX XXXXXXXX, GA XXXXThe company named Equifax Information Services LLC, Deleted 25 account from my Equifax Credit report. My credit score was an XXXX on XX/XX/2019, and because I have no account showing on my Equifax Credit report my credit score dropped to a XXXX. I called Equifax the company on XX/XX/2019 I spoke to a rep who said that I don’t have any accounts reported or listed on my Equifax credit report, and that this is per the Creditor. I asked the rep how do I go from having 25 accounts listed on my Equifax report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my Equifax report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to Equifax. This should be the job of Equifax to investigate and not take decisions that will hurt the consumers credit. My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company Equifax Information Services LLC has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate Equifax Information Services LLC negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my Equifax credit report, and I will attach the Equifax creditor reports showing zero information for my credit. It takes a long time to establish credit and to establish a good score. I want for Equifax Information Services LLC to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. XXXX  Account – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTUS DEPT. OF EDUCATION XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX credit card - XXXX  EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX- XXXX….XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX- XXXX XXXX-XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX -  XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX –  EQUIFAX DELETE ACCOUNTXXXX  –   EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNT
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Received bad information about my loan

In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter XXXX  from equifax in regards to my request for re-investigation sent off on XX/XX/2022 to remove an account that does not belong to me. Equifax has violated my rights to providing accurate reporting and proof of this account as mine nor did they provide anything. Credit reporting laws ensure that bureaus report only 100 % accurate credit information FCRA 611 ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. Sec.1681i ( a ) states if proof is not provided the account disputed must be deleted. Equifax did not provide no documentations ( with my signature, ID, Agreement and ECT ) or evidence at all. as seen in the attachment. there was no effort put forth in this re-investigation.
Complaint sub-issue: Information belongs to someone else

this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took too long

I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!
Complaint sub-issue: Debt was result of identity theft

This is affecting my score showing negative items. This account has been taken off other creditors but this creditor is still sending negative reports to my credit report XXXX  when this has been resolved under identity theft. The number to contact this company is not applicable.Please take this off my report.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy on my credit reports that I thought came off after 7 years. It is almost 10 years now, what is the exact date this will fall off my credit report?
Complaint sub-issue: Information belongs to someone else

there are inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines