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

Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my equifax and XXXX report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.
Complaint sub-issue: Information belongs to someone else

These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX  XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have reached out to Equifax and requested information in which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Debt is not yours

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. 

On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Complaint sub-issue: Information belongs to someone else

I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and Equifax are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 If XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

2nd case submission for additional credit, same fraud/solar panel issue XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare Citibank and XXXX XXXX both clinging to 120 days to report fraud. I wouldn't have known at that point.
Complaint sub-issue: Reporting company used your report improperly

I was looking at a copy of my consumer report and noticed some late payments being reported by XXXX XXXX XXXX by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is your duty to provide accurate information so I ask that the late payments on the account are updated to show XXXX or XXXX as agreed
Complaint sub-issue: Reporting company used your report improperly

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove
Complaint sub-issue: Account status incorrect

I opened a credit card account with XXXX XXXX XXXX  on XX/XX/2018 in order to increase my credit score. Obviously I used it responsibly and paid it on time every single time, they even increase my credit amount from {$300.00} to {$450.00} in just one month. On XXXX I enter the iphone app and change the account to make payments from, and then a week later I noticed a " past due '' remark on the app ( did not receive a notification ). Supposedly, it was because of an error on the account information, which I verified and was correct. Tried to submit the payment again, and received a call a week later ( on XX/XX/2018 ) that my account was " past due ''. At that moment I authorized the representative to withdraw the " past due '' amount from my account ( the same one with the " error '' ) and he confirmed that the payment went through. I even authorized the remaining {$91.00} to be paid a week later as an automatic payment by the same phone transaction. All of the sudden and without any kind of notification my account was closed. I noticed because XXXX XXXX gave a notification. Today ( XX/XX/2018 ) I received a call from XXXX XXXX, again, about an error in my bank account ( after they closed my account without notification ), and I proceed to make the full payment with my debit card XXXX the one from the same bank account ), an option that was not presented to me before. Then I asked the operator to transfer me to the appropriate person to correct the information reported to my credit, as the account was closed by the credit grantor, and my credit score dropped 50 points, again without notifications, and not because I was not willing to pay, which was never the case. They even closed my access to my account over the internet or the phone app. I tried to find a way to fix this, and the ONLY option they gave me was to send via mail ( not email ) a letter from my bank verifying the account ( the same one I use to pay all my bills ), and he also said that it will take 7-10 business days to process this after they receive the letter, and that a separate dispute letter needed to be send to another department. And, I need this to be fixed right away, because of my credit score drop, and because it is all due to their lack of communication with me.
Complaint sub-issue: Debt is not mine

I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.
Complaint sub-issue: Their investigation did not fix an error on your report

COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account on XX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report on XX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
Complaint sub-issue: Problem with personal statement of dispute

Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me.

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Complaint sub-issue: Debt is not yours

On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.
Complaint sub-issue: Information belongs to someone else

I have been the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX  XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Complaint sub-issue: Problem with product or service terms changing

Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.
Complaint sub-issue: Account information incorrect

XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I check my credit report with XXXX XXXX daily. I recently received a unsecured credit card from XXXX XXXX to build my credit. Today XX/XX/XXXX I checked my credit with Equifax and my credit score went down 19 points. I called Equifax to find out why and the representative could not tell me why. The inquiries I have on my credit report are inquires from last year and there were only 16 total. According to Equifax there have been recent inquiries I am unaware of and I would like to dispute the inquires with Equifax, she told me that she could not file a dispute and that I would have to contact a the lenders that made the inquires. I told her that I only had 16 inquires last year in XX/XX/XXXX not 34. Equifax is cooperating with this complaint. my credit score went from XXXX to XXXX because of this. Please contact Equifax and address this matter. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
Complaint sub-issue: Reporting company used your report improperly

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice