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

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and Equifax XXXX XXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.
Complaint sub-issue: Information belongs to someone else

I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ITEMS 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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: Can't use card to make purchases

Starting XX/XX/XXXX is when I first noticed my account said delinquent. I contacted the Upgrade.com immediately to find out what the problem was since my payments are autopay on my due dates. I was told by a representative that it was a glitch in their system and it would be resolved. After XXXX phone calls and several emails it is still not resolved. My account is now stating I am 15 days delinquent for {$9.00} and no one can assist me. I even paid the {$9.00} today XX/XX/XXXX to see if that would resolve it and now it says Im past due {$7.00}. This issue has happened in the past with this company due to a glitch in their system. No one is helping me.
Complaint sub-issue: Didn't receive notice of right to dispute

I check my credit reports regularly almost everyday through my XXXX  & XXXX XXXX Apps to make sure all is well. On the morning of XX/XX/2021 I was notified my score had decreased by 33 points due to a Collection. I was immediately curious & upset because I havent received anything from any collection agency. I logged into my XXXX account & seen a collection account for {$150.00} on my credit report from a company named AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! I dont even know of anything where I would owe {$150.00} because I pay all my bills & again, I havent received any type of communication about a {$150.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX  or XXXX  credit reports. I will attach a screenshot of what I seen on my XXXX  credit reports. Thank you for ALL your help.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery put a negative collection account on my credit report. I NEVER GOT A LETTER EVER! And since I have no " account number '' to have them reference, I have no idea. They want me to disclose PII via email! Any person who knows email is NOT SECURE and they want me to disclose that in cleartext??? XXXX! 

I have no idea what ERC has on me. In the XXXX printout ( PDF ), the only info I have is what I have and nothing more. The reply from " XXXX '' is highly unprofessional.
Complaint sub-issue: Account information incorrect

I have sent 3 req asking for the validity of the debt was asked to sendin my copy of id, ss # and a letter with signature which I did provide XXXX XXXX,2018 and I have yet to get a reply although all req were received by the creditor as per USPS ( Certified mail )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. This is at least my XXXX attempt to get Equifax to publish my consumer report in accordance with federal laws. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Equifax is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act. The list of inquiries below below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  XX/XX/XXXX XXXX 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: Reporting company used your report improperly

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to XXXX, Equifax, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give XXXX  written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.
Complaint sub-issue: Reporting company used your report improperly

The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Unexpected increase in interest rate

Citibank increased my interest to 29.49 % ( same penalty rate for missed payments ). I have not been late on a payment for many many years. I asked to explain why I'm being charged the penalty rate, and they could not provide an answer. I asked for a reasonable interest rate, and they said that their system does not allow them to lower the rate.
Complaint sub-issue: Information belongs to someone else

Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill. 

this information is invoilation to 18USC A1 2 a
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Credit Karma is holding my phone and will not release them I can not use my phone as a father dispute the dispute was successful so I want to dispute and Credit Karma still will not release the hold off my account I have signed in my ID my driver 's license and also other things and it's getting really frustrated hoping to get this squared away so I don't have to keep dealing with this I have asked them multiple times to close my account but they keep saying it can not close my account but I also can I use my phone this is very irritating and I'm getting frustrated please look into this
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Information belongs to someone else

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account status incorrect

I pulled my credit reports from XXXX and became aware of inaccurate and incomplete account information being furnished by your company to each of the consumer reporting agencies : including XXXX, XXXX and XXXX. This incomplete, inaccurate and erroneous information is hindering my ability to obtain/extend my credit ; it is also causing me to be denied credit. I have previously disputed this information with the CRA 's and it has come back verified. Upon review of each of my reports, I have determined that you are furnishing different information to each agency. There should be no variations or inaccuracies being furnished. I am requesting the information you are actively furnishing to each of the credit reporting agencies that assisted them with determining that this account has in fact been verified by you. As a furnisher, you are governed by 15 USC 1681 ( s ) ( 2 ) to provide accurate information. I am asking you to permanently cease and desist from reporting the inaccuracies below : XXXX XXXX Dispute 1 : XXXX : Upgrade - Account details section, date opened, high balance, last payment and date last active Dispute 2 : XXXX : - Account details section, date opened, high balance, last payment date and date last active Dispute 3 : XXXX : account details section, date opened, high balance, last payment date and date last active.
Complaint sub-issue: Investigation took too long

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX  and XXXX. Thank you,
Complaint sub-issue: Reporting company used your report improperly

my personal info was impacted from the cybersecurity.
Complaint sub-issue: Information belongs to someone else

i was a victum of id theft someone used my information to obtain loans in my name that were not authorized by me i made several attempts to notify the company with police reports and id theft affidavites. loans were opened on XX/XX/XXXX for {$3400.00}, {$3500.00}, XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$2100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00}.
Complaint sub-issue: Account information incorrect

I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS