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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$2800.00}
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 01 XXXX ) account numberXXXX Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Was not notified of investigation status or results

I Have submitted the disputes but no respone
Complaint sub-issue: Account status incorrect

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$36000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON XX/XX/2022 I sent a letter explaining to the XXXX  that I was identified as a victim of an information breach. I checked my credit report and found information that I don't recall applying for the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

My Citi Bank account was closed on XX/XX/22. 
It is XX/XX/22 and I still have not received a check with my closing balance. I am told by Citi Bank that they have to decide whether or not they are going to send two of my payroll check amounts deposited shortly before the account was closed, back to my employer or include it with my closing balance. 

I have a family that is desperately in need of these funds that are mine. Its not right to put my families well being in jeopardy and hold onto to funds that are rightfully mine for this long. 

Send the funds back to my employer if thats the issue. I can get them to issue me new ones. But, just make a decision. It has been a month and half now and I have called twice a week since XX/XX/XXXX and get nowhere. I am told I should get notice in 48 hours every time. 

Please help! 

Thank you
Complaint sub-issue: Didn't receive enough information to verify debt

Under the hippa law I didnt give this company to disclose my debt to anyone. Furthermore I asked for a validation of debt and they failed to send me one. So I need this removed from my credit
Complaint sub-issue: Debt was result of identity theft

I applied for credit and denied and upon like at my credit I notice this collection : AFNI/XXXX  {$860.00} reflecting my credit report that does not belong to me nor did I apply for any credit with this company. I have contacted this company and XXXX  about this issue and consisting receive the same frivolous response that is incorrect and fraudulent information.
Complaint sub-issue: Debt is not yours

My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. 
I don't want anything to do with a company that has such wrong business procedures.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Complaint sub-issue: Investigation took more than 30 days

It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A fraudulent inquiry was made by XXXX XXXX on XX/XX/20. I contacted XXXX and filed a dispute with equifax. XXXX verified the inquiry was fraudulent and informed me they were updating the information. Meanwhile, eqifax fail to remove the inquiry and would not investigate, stating it was a fact of record. After 30 days I reached out to both and again, was told by each business to contact the other and wait for 60 days. After the 60 days, I checked my consumer file and the inquiry remained. Again, I file a dispute, but the inquiry was not removed, nor was an investigation performed. When I contacted equifax for the 4th time, I was informed again, they would remove the inquiry after receiving notification from XXXX. So I called XXXX again and was informed they were sending another notification to equifax today XX/XX/20. XXXX, the resolution manager at Eqifax said they had not received anything from XXXX, even though XXXX said it was sent today and the inquiry should be removed in real-time. XXXX was also unwilling to provide any other supervisor above her, nor was she willing to investigate the matter. I enclosed three emails from XXXX  that the information would be removed.
Complaint sub-issue: Account information incorrect

XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.
Complaint sub-issue: Information belongs to someone else

There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX
Complaint sub-issue: Information belongs to someone else

MS Services is reportinga fraudulent account on my credit. This account doesnt belong to me. I am requesting the removal of this account from my credit file.
Complaint sub-issue: Information belongs to someone else

I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was told or shown under a XXXX  link on the internet that there were low income repayment loans. I already have one through XXXX. But I called the number anyway because of fear of this ending soon. I called XXXX XXXX XXXX and they told me that if I made 3 payments of {$230.00} in three months that they would write off all of my debt after that. Now all of my dad is {$160000.00}. Which I thought may not really be true but he kept contacting me and we filled out papers and he needed to know that I would have a job and I hadn't had a job yet and then I was getting one. I'm in a helping profession so I thought that this could be legit because I had heard that there are loan write-offs but these types of positions and I thought that this was one of the ways I could go about doing it. But the last time I spoke with him he asked me for my debit card number and just wanted it on file he said for when I sign papers and said that everything was fine and that they could charge my card.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act Installment Account XXXXXXXX XXXX Account Number XXXX, Credit Account XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section XXXX : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft due to someone stealing my identity. In addition, they hacked into my network and stole my personal information, which someone opened up fraudulent account and inserted fraudulent inquiries on my Equifax credit report. I disputed the fraudulent information with them already, which I provided a police report and affidavit to proactively remove those items. Therefore, Equifax did not remove those fraudulent items, which they are violating The Fair Credit Reporting Act, 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Therefore, they violated this act. Also, I have disputed the same items with XXXX and XXXX and they complied and removed those fraudulent items from my credit reports. So, what is the issue with Equifax? I am asking you all to get onto Equifax to make them comply. If they do not comply, I will take this matter further and report them to the state of Georgia 's Attorney General ; and furthermore, take Equifax to court.
Complaint sub-issue: Personal information incorrect

I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Complaint sub-issue: Information belongs to someone else

To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDCO, XXXX XXXX, CA XXXX ( XXXX ) XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credco made inquiries on my credit report and my wife 's credit report without our knowledge or consent on the above dates. They did have our consent for an inquiry on XX/XX/XXXX but that was the only time. Myself and my wife did not give them permission to make an inquiry on our credit reports after XX/XX/XXXX which was for a loan for a travel trailer from XXXX XXXX in XXXX XXXX. These unauthorized inquiries have hurt our credit scores. Inquiries from XX/XX/XXXX and XX/XX/XXXX show telephone number ( XXXX ) XXXX. Inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have telephone number of ( XXXX ) XXXX. Please help in any way you can to get these inquiries off of our credit reports as soon as possible.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX is XXXX paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.
Complaint sub-issue: Used obscene, profane, or other abusive language

An entity called me claiming to be AR Resources, a debt collection company, from a restricted number and left a message. 

I called the number on that message and immediately the operator started berating me to get my personal information, including my SSN.

I did not give this to them and called the listed corporate number for AR resources : they confirmed that it was not them, and it is likely an impersonator looking to pose as debt collectors.
Complaint sub-issue: Investigation took more than 30 days

i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results
Complaint sub-issue: Their investigation did not fix an error on your report

On 3 separate occasions I asked XXXX, XXXX XXXX, and Equifax to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe 6 water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX//2020.
Complaint sub-issue: Reporting company used your report improperly

New Updated information in regard to CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Equifax account number XXXX

has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached is a dispute letter with accounts.
Complaint sub-issue: Account status incorrect

I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Complaint sub-issue: Reporting company used your report improperly

N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXXXXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Complaint sub-issue: Information belongs to someone else

On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.
Complaint sub-issue: Public record information inaccurate

These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.