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

NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an 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. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will XXXX XXXX XXXX
Complaint sub-issue: Account status

Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.
Complaint sub-issue: Reporting company used your report improperly

I'm filing this complaint against Equifax for improper use of my credit. This cra is reporting a consumer transaction account violation of 15 U.S. Code 1666d which states that a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was paid

I am filing a complaint against ERC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : ERC, Account Number : XXXX.
Complaint sub-issue: Debt was result of identity theft

As of XX/XX/XXXX, my bank account was overdrafted for the amount of {$78.00} by XXXX XXXX XXXX at the address of XXXX. XXXX XXXX XXXX, Illinois XXXX and I wish to file a complaint against XXXX XXXX XXXX because of this occurring with my bank account. I have documentation from their office with the {$310.00} that I supposedly owe to the XXXX  XXXX XXXX even though I advised the representative that they could not take money from my bank account until after XX/XX/XXXX. I have already filed a complaint with my bank and they are working on that end as well. I feel as though this collection agency XXXX XXXX XXXX leads former XXXX  XXXX XXXX Students astray with their demands for collection of money that is supposedly owed. This money should have been satisfied with my federal student loans by the college but they sent the funds back to the US Department of Education. I received the collections notice on XX/XX/XXXX stating that the XXXX  XXXX XXXX wants {$310.00} and I feel as though I do not owe them this money at all.
Complaint sub-issue: Trouble with how payments are being handled

American Education Services , INC, has serviced my consolidated loans, which prior was XXXX XXXX XXXX. The lower interest rate offer is for direct payment XXXX from an authorized checking account since XX/XX/XXXX and after a year of on-time payments the percentage rate was decreased to 3 %. From XX/XX/XXXX-XX/XX/XXXX there has been automatic on-time payments. I traveled for my brothers wedding in XX/XX/XXXX where an unauthorized transaction caused my account to overdraw and my overdraft protection did not cover. I made the payment as soon as I was made aware of the situation 22 days later and called AES Inc. The account was reflected as up to date and current. They continued to draw payments from my account. My XX/XX/XXXX statement shows that my rate went from 3 % to 4 %. When I called AES, they would not discuss my rate being returned to the 3 % rate and offered to send me a copy of the promissory note. The promissory note did not show the original terms of the agreement. They have increased my rate without an explanation and exact verbiage to show that the rate would increase. The letters they showed me does not discuss the details only an increased rate to 4 %.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$14.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Seized or attempted to seize your property

In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license XXXX XXXX XXXX per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the lien. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.
Complaint sub-issue: Account status incorrect

Equifax reported XXXX XXXX XXXX XXXX Company ) transaction on my report as late payments which decreased my score. According to consumer law no transactions should be reported. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( 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 ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, the following information is reporting to my credit report is information that i have no relation too. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that i owe a debt or consented for them to run my credit report. The following information is fraudulent. XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$110.00} ) # XXXX, XXXX XXXX ( {$44000.00} ) # XXXX, XXXX XXXX ( {$180000.00} ) # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Impersonated an attorney or official

Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!
Complaint sub-issue: Problem getting your free annual credit report

In response to complaint XXXX, I have provided this information over 30 calendar days ago, and provided it again today. I have enclosed copies of the correspondence. Equifax 's breach is obviously more serious than originally reported, I would suggest a full investigation. I have not been able to access my credit report in fiscal 2018 and have good reason to believe that it is tainted with incorrect information due to the data breach. This is my last step prior to litigation.
Complaint sub-issue: Was not notified of investigation status or results

This company has yet to respond to any of my letters requesting documentation regarding an account that is reporting to my credit report. I sent a letter on XX/XX/XXXX and XX/XX/XXXX and have yet to receive any documentation regarding this debt.
Complaint sub-issue: Information belongs to someone else

Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. She XXXX XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, Discover didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX military stationed in XXXX XXXX for the last two years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time difference I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to XXXX AND Discover. XXXX is telling me that I probably need a police report as well as the XXXX XXXX XXXX paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. Discover is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my mothers death certificate because it feels like no one is listening to me.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a reply to XXXX XXXX XXXX, XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX XXXX Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Complaint sub-issue: Debt was result of identity theft

Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
Complaint sub-issue: Other problem

Citi Bank Reduced my credit limit from XXXX to XXXX. This affected my credit score by about 25 points by increasing my utilization ratio to 94 %. I called Citi bank to restore the credit limit or my credit score on XX/XX/2019. The customer service supervisor said this is a revolving account and Citi has the right to increase or decrease the credit limit based or consumer behavior and risk factors. I questioned her to tell me what are the risk factors and reasons and she provided no explanation but constantly referred to only one incident where the Autopay balance was less than the minimum due. She stated in partial explanation that : The reason was that I was at risk due to high risk activity from other reporting agencies. I have maintained 100 % payment history by setting up Autopay. However in XX/XX/2019. My autopay could not cover the total amount due. Citi bank customer service called me about the issue. I paid instantly over the phone and immediately adjusted my autopay balance to {$150.00} per month even though my monthly payment was arround {$60.00}. I did this increase to avoid having autopay being less than the minimum due. 
Citi even went ahead and refunded all late fees without my request. It is therefore absurd for them to reduce my balance to un reasonable limit and hurt my FICO score. 

I am therefore humbly appealing to the bureau to look into this practice from Citi bank. As other complaints from online and card users risk credit scores fluctuations and hurting consumers at the time when they need thier scores for credit worthiness. In sum the reasons city gave was not dependent on my credit history with them. I am therefore requesting to know where city got the information to reduce my credit limit. And who are the 3rd parties? Provide sufficient explanation with facts why my balance was reduced. 

The balance reductions is NOT my prime concern. Citi has caused me financial suffering by increasing my utilization ratio and decreasing my credit score. I would like them to restore this ASAP.
Complaint sub-issue: Information belongs to someone else

I was a with CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Information belongs to someone else

To whom it may Concern, 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.