Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my XXXX  and Equifax credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay
Complaint sub-issue: Debt is not yours

On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.
Complaint sub-issue: Didn't receive enough information to verify debt

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with Equifax placing an unauthorized fraud alert on my credit report and sending the same request to XXXX  and XXXX. After my last letter, my Equifax scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
Complaint sub-issue: Problem getting your free annual credit report

Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report
Complaint sub-issue: Information belongs to someone else

Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} -XXXX XXXX XXXX XXXX {$58000.00} -XXXX XXXX XXXX XXXX {$43000.00} -XXXX XXXX XXXX {$44000.00} -XXXX XXXX XXXX {$0.00} -XXXX XXXX XXXX XXXX {$11000.00} -XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX5USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent.

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.
Complaint sub-issue: Old information reappears or never goes away

I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to inaccurate information being reported on my credit report in XXXX and i was not sent the results of the dispute so i submitted another dispute since the dispute took much longer than 30 days CFPB case # XXXX and the items were deleted except one saying it wasn't being reported i just pulled the report and its still on the report NON REPORTING DISPUTES XXXX  : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. XXXX  : XXXX  XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Complaint sub-issue: Account information incorrect

The creditor Ally Auto is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am being charged for items I return. I was promised a refund in the amount of {$1700.00}, {$820.00} and {$420.00}. I never got my refund.
Complaint sub-issue: Information belongs to someone else

First, I am a victim of identity theft. On XXXX sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 7fraudulent addresses ( # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 3-    XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, # 4- XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 5- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, # 6- XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 7- XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and6fraudulent accounts ( # XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX # 2 XXXX XXXX XXXX # XXXX, # 3 XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) . Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax is in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Problem with customer service

I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.
Complaint sub-issue: Information belongs to someone else

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXXXXXX 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 FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My US Bank Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent 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.
Complaint sub-issue: Reporting company used your report improperly

Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act... 
XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
Complaint sub-issue: Information belongs to someone else

Collection account from XXXXXXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax credit report had once more locked me out. This has been going on the past three years while I've been trying to get two of the same kind mortgage servicers to correct wrongful information that they report to the credit bureaus. They had blocked me from getting the XXXX XXXX XXXX and then for a few months allowed me access to later block me again. This time my Equifax was blocked and I left it that way because I knew once more they were either doing this for the mortgage company or allowing the mortgage company to do it. On Friday with much thinking I called the XXXX XXXX number listed with the error message. And in the many attempts to correct my intentionally blocked Equifax access, they asked mentioned that I had a VPN and that I need to disable it. I made the mistake of doing so and my PC has been an horror story since. Contacting the VPN company is how I found out I was asked to remove my VPN to allow access, because my VPN could in no way effect an log-in problem at a website. I'm not at all surprised this happened while trying to log into Equifax, I've had other very similar experiences and that's why I did not attempt to call that number. Its very obvious that serious changes has been made to my PC. And in an attempt to change passwords, I'm still wrestling to get things back the way it was before calling Equifax. I should have expected something when the guy kept muting the call if if he was talking to someone else. I feel rally bad about this because I had recently read that others had similar problems, but it was with my same mortgage company. They set me up to be hacked and exploited. I was told to contact the XXXX and that was done and to also report the crime at my local police on Monday. Its well known that XXXX XXXX XXXX XXXX is trying to steal our equity. Its also well documented. And they have been very aggressive. Hopefully someone will read here and avoid the mistake I've made to trust Equifax to allow me access to see my credit report, which if you are using MyEquifax, it is not what the lenders see. it is a second reporting that does not show what the XXXX XXXX XXXX shows. They have blocked me from getting my XXXX XXXX XXXX and have also prevented us from purchasing their paid and premium reporting, because they don't want us to see that they are not showing our Personal " Dispute Statement '' that we are legally allowed to have posted on our credit report. They like XXXX don't realize that the credit reporting services let you know when that statement has been removed. Why Equifax is so adamant to protect and allow such criminal behavior to take place is beyond us. We were told to keep documenting and we will continue
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX  XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you
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 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 which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} EQUIFAX : XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX COMMISSION ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} 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: Their investigation did not fix an error on your report

On XX/XX/2020 I disputed with XXXX to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.