Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.
Complaint sub-issue: Information belongs to someone else

This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount XXXX.
Complaint sub-issue: Account information incorrect

I have contacted Equifax numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both Equifax and the collection agency and they have failed to provide adequate documentation. I have attached a copy of Equifax 's decision to this complaint. Please remove this account it does not belong to me.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

XXXX XXXX : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Reporting company used your report improperly

I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

I opened my account with Discover Bank a few months ago and deposited {$12000.00} into my account. 
On XX/XX/XXXX they suddenly closed my account for no reason, and Im unable to access my fund since then. When I contacted them they said they would send my remaining fund through check within 2 weeks, but after 7 weeks I still didnt receive anything. 
I tried to contact their security department by XXXX but they were on hold forever, I was on the line for several hours listening to hold music multiple times but nobody ever picked it up. When I call their other departments they always redirect me back to the security department so I have no other way to check the status of my fund now. 
This is very very frustrating!!!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX, N/A Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX, XXXX XXXX. XXXX XXXX Equifax : XXXX, XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Complaint sub-issue: Debt was result of identity theft

I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. 
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.
Complaint sub-issue: Account information incorrect

Ally Bank is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( XXXX, XXXX and XXXX ). 
I have tried to resolve this with each of the bureaus as well as with Ally Bank and it keeps showing up on my credit reports incorrectly reported.
Complaint sub-issue: Frequent or repeated calls

I have a credit card with XXXX, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. Allied Interstate is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
Complaint sub-issue: Report provided to employer without your written authorization

On XX/XX/XXXX, I received a copy of my Employment Data Report from The Work Number ( Equifax company ). I found out that someone in the Human Resources department of XXXX XXXX Hospital, my previous employer, pulled my employment record on XX/XX/XXXX. I did not give anyone permission during that time to pull my employment record, and I did not complete an Authorization to Verify form. 

On XX/XX/XXXX, I contacted The Work Number and asked why my employment record was given to XXXX XXXX Hospital. They said that I would have to file a dispute. I filed a dispute that day ( ticket # XXXX ). I also sent an email to XXXX XXXX, Director of Human Resources at XXXX XXXX XXXX ( and cc 'd XXXX XXXX, the Vice President ) requesting information as to why my record was pulled by her department. She wrote back that same day but said she doesn't give out information. She misunderstood or did not read my email properly. I reply by reiterating my question. She never responded. I sent an email on XX/XX/XXXX, and on XX/XX/XXXX, asking her to please look into the matter and give me a status update as to who pulled my report and for what reason. To date, I haven't gotten a response. 

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to The Work Number to get a status update on my dispute. I received no help and was only told to wait. 

XX/XX/XXXX, I received a letter from The Work Number not addressing my concern, but just stating that XXXX XXXX requested my employment record on XX/XX/XXXX, for Employment purposes. 

The Work Number gave my employment record to XXXX XXXX without written consent.
Complaint sub-issue: Debt was paid

Subject : USBank incorrectly posting settlement agreement payments. 

On XX/XX/XXXX I entered into a XXXX XXXX with USBank for the sum of {$3300.00} to be paid over 18 scheduled payments with last the payment to be made XX/XX/XXXX. 

On XX/XX/XXXX, after contacting USBank by phone, I was informed the last 3 payments XXXX XXXX, XXXX and XXXX XXXX were not received. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) photo copies, from my bank XXXX XXXX XXXX, of the last 3 payments made to, and deposited by, USBank. 

By XX/XX/XXXX, USBank notified me they had applied the missing XXXX and XXXX payments and that they were posted correctly to my account. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) a second time, a photo copy, from my bank XXXX XXXX XXXX, of the XX/XX/XXXX payment made to, and deposited by, USBank. 

As of XX/XX/XXXX I havent heard from USBank regarding the latest ( XXXX XXXX fax and Ive a number of time to inquire as to the status only to be told I would receive a callback from the Supervisor [ name removed ] whom Ive yet to hear from. 

My credit scores continue to suffer because of USBanks error.
Complaint sub-issue: Other problem getting your report or credit score

I have filed a dispute with equifax for incorrect collections on my name. I can not seen to get a answer for my results. I have had no luck contacting them on the phone
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX 

They have violated my rights. 15 U.S.C. 1681 Section 602 states A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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: Other problem getting your report or credit score

I was declined for an auto loan XX/XX/XXXX. Dealership said my Equifax file had a freeze. Multiple phone calls were useless. Equifax call center reps said I have no credit file. 
I was declined a credit card in XX/XX/XXXX due to no credit file at Equifax. More phone calls. Equifax rep escalated my issue to a higher authority, Still no help. 
I was declined a mortgage application in XX/XX/XXXX. Mortgage loan officer said underwriters claimed my Equifax file had a Fraud Alert. Mailed multiple documents to Equifax. Computer generated reply said no fraud alert. 
Many, many phone calls and letters to Equifax have provided no answers. 
Multiple escalations to level 2 tech support. 
Still no answers.
Complaint sub-issue: Trouble closing card

On XX/XX/XXXX an amount of $XXXX was sent to my Direct Express debit card.
On XX/XX/XXXX an amount of $XXXX was used and on XX/XX/XXXX I checked my balance  and my balance  was only $XXXX.
 I have been trying to make contact via telephone to have the relevant state agency to cancel and replace my card immediately  but have been placed on hold and subsequently  disconnected.
Looking forward for your kind assistance.
Complaint sub-issue: Was not notified of investigation status or results

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX  is the only one, well Equifax as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been in medical care since 2017 and made payments to Citifinancial. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about Citifinancial and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real XXXX XXXX   out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act.This list of account below has violated my federally protected consumer rights to privacy and confidentiality under15 U.S.C 1681. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681Section 602A. States I have rights to privacy.

15 U.S.C 1681Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem using a debit or ATM card

Throughout a span from roughly XX/XX/XXXX to XXXX or XX/XX/XXXX, there were a total of 49 ( when I first saw them, more since I realized they were being made ) transactions were being charged to my cash app account. I reached out to Cash App to figure out what was going on as I did not make the transactions, and all transactions were made from XXXX. Cash App was unable to give any assistance or clarification. I reached out to XXXX after Cash App was unable to help, and with the help of an XXXX representative, we realized that the charges originated from a prior Cash App card that had been reported lost or stolen ( when I called Cash App back and brought this up to them, a representative said he did see that the card the charges originated from was cancelled and a new card was issued in XXXX of XXXX ). I explained to the Cash App representative that, although I do have an XXXX  XXXX, it hasn't been used in over 10 years, and it was only used for an XXXX, before XXXX even came out with an XXXX. The Cash App representative explained they would escalate the cade to a higher department and I wouldn't be contacted VIA email by a manager. I have reached out to Cash App on numerous occasions, VIA email, phone, and chat support and explained the entirety of the situation, and repeatedly get told that the case will be escalated, but as months have now passed, I have still not heard from a manager and I am refused to speak to one when I request one on a call. XXXX representatives said they could assist, but not without the full card number that was charged. I have even reached out to Cash App, only for the full 16 digit card number, to let XXXX take care of the fraudulent charges since Cash App would not, and was told I would be emailed the card number, and never was. There are 50+ charges, majority of which were declined, however there are a handful that was approved for amounts spanning from {$4.00} to over {$20.00}. I will attach pictures to thr complaint showing that I have never ourchades anything with the XXXX account. I also have a screenshot of a transaction I attempted as I saw the last 4 digits of the cancelled card were still a stored payment method in my XXXX 's app, so I attempted to push a transaction to test if the approvals were only XXXX & I have a screenshot where the XXXX 's purchase on the cancelled card was declined, but I have screenshots of the declined and approved transactions from XXXX. I also have a screenshot of a dispute I attempted for one of the transactions, and the email with the resulting denial explaining that I authorized the purchase, which has never been the case.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I showed them the Bankruptcy info that this was included. The removed it from XXXX but Not XXXX.
Complaint sub-issue: Information is not mine

My yonger sister bad credit is on my credit.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened Dec 21, 2021 Balance : {$150.00}.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Personal information incorrect

Equifax has listed my last name as XXXX for over 5 years and refuse to fix it. It is listing the wrong last name with my social security number and date of birth. My correct last name is XXXX. I disputed this at least 3 years ago on the phone and they stated they would take off the wrong last name but they never did. I disputed it again recently and they stated they would contact the third party who supplied the wrong name and get it fixed. I also uploaded my driver 's license and social security card so they could see what my correct last name was. They still haven't fixed my last name yet.
Complaint sub-issue: Problem getting report or credit score

I have disputed several reports on my Equifax credit report. After repeated request for Equifax to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.