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

I have contacted Equifax and the Creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Complaint sub-issue: Information belongs to someone else

i have had an account showing late payments and charged on my credit report. i have requested this fraudulent account to be removed atleast 9 times yet its still displaying on my credit report this account does not belong to me. i did not open this account please remove this account from credit report. 

XXXX XXXX CREDIT LINE.
Complaint sub-issue: Personal information

I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.
Complaint sub-issue: Reporting company used your report improperly

I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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 XXXXXXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.
Complaint sub-issue: Information belongs to someone else

I sent an Identity theft report in the for of an affidavit via the federal governments website ( FTC ) VIA certidied mail. Equifax wrote me a letter in response stating that they would not block the information. Equifax also stated that they needed proof which I gave in the form of an official Identioty theft report for there mismanaged procedures. I am being violated of my rights as a Consumer and for there negligence of non compliance to my written instructions.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, XXXX, and Equifax asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). 

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, Equifax, XXXX, and XXXX.
Complaint sub-issue: Was not notified of investigation status or results

You are in violation of the following Federally Protected Consumer Rights : Compliance procedures- 15 U.S. Code 1681a ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information I the consumer never gave Equifax any written consent to report anything on my consumer report.
Complaint sub-issue: Received bad information about your loan

Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.
Complaint sub-issue: Can't use card to make purchases

I tried to pay {$25.00} ( not a XXXX  dollar ) using the one time usage virtual credit cards with a limit of {$50.00} and again their strange system blocked the usage of the card and I simply try to pay products or services using the card what is a card for they have no respect for customer valuable time and still their webpages are XXXX  old style system that request a phone call, why you don't send a email, somethines they send a email asking if the customer approves or denies the transaction, but their strange system forgots about that very soon, asking to confirm the transaction by phone again, that's not possible since i'm using the web to pay for product or services and i'm not using a phone to order producs, like milions of other customers
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Deposits and withdrawals

XX/XX/2023 I made an opening deposit at Citibank, I utilized the mobile banking deposit feature. I deposited XXXX XXXX XXXX money orders in the amount of {$500.00} each. On XX/XX/XXXX I woke up and find the checking account had been restricted. When I called customer service I was told the account had been referred to the fraud department for possible closure. I was transferred to the fraud department and assured when the money orders cleared my account access would be restored. 

XX/XX/XXXX, I could not log into my online account anymore at all. I called customer service and was transferred to fraud and told my account had been closed. The reason I was given is that the money orders had been altered ( they hadnt ). I spent multiple hours on the phone and was told my only option to possibly have the account closure rescinded was to go to a Citi bank branch ( a XXXX XXXX XXXX from where I am, or a flight ) and bring the money orders and receipt to prove the funds are valid and they will consider rescinding the closure. 

I have called XXXX XXXX personally and verified the funds were deposited at Citi with a date of the XXXX. Citi is telling me it takes 6 days on their end to know if the funds from money orders will clear or not. But they closed the account after 2 days and their only solution is for me to fly to a branch and they might reconsider account closure? 

Ive spent multiple hours on hold for a supervisor and I have asked for supervisor call back - no one beyond entry level employees have spoken with me!
Complaint sub-issue: Reporting company used your report improperly

I am a natural person im a living human being i, have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below listed be removed because According to 15 USC 1681 : I have the right to privacy & i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX Account # xxxxxxxxxx XXXX
Complaint sub-issue: Debt is not yours

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XX/XX/2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Complaint sub-issue: Reporting company used your report improperly

LEXIS NEXIS violated my rights as a consumer and shared my personal information without my consent with Consumer reporting agencies about a bankruptcy filed in 2018. Per the violation law of 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 b ( a ) ( 2 ) I have contacted them and they have received a letter of my complaint and it has been attached to this complaint as well as proof it was received by them.
Complaint sub-issue: Account status incorrect

I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXXXXXX in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX to ask for an extension on the payments. After receiving an alert from credit karma stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30  days late. I explained the situation to XXXX  XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6  years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX ( # XXXX ) {$1200.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Complaint sub-issue: Reporting company used your report improperly

I submitted my FTC Identity Theft Affidavit to Equifax to block a medical debt that is appearing on my credit file. It was determined that the medical debt in question being held by collection company XXXX XXXX  and the original creditor being XXXX XXXX XXXX. The account number is XXXX, note that Equifax only shows the first digit on this account and the remaining four digits are blocked out. My FTC Affidavit also included an inquiry by XXXX XXXX that was also listed on the Affidavit and Equifax refused to block that as well. I received and email notification from Equifax stating my dispute was ready to view and upon doing so Equifax states that they would not be blocking this account from my credit file and I other reason was given. When I submitted my Identity Theft Report I also included copies of my drivers license, social security card, Identity Theft Report and 605b print off. XXXX and XXXX have blocked this account but Equifax refuses to do so. Even though Equifax received my Identity Theft Report they still added a fraud alert to my credit file.
Complaint sub-issue: Other problem getting your report or credit score

I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.
Complaint sub-issue: Public record information inaccurate

Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.
Complaint sub-issue: Account terms

THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.
Complaint sub-issue: Information belongs to someone else

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XXXX XXXX, 2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west. 

I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020. 

I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests. 

I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, a natural person without having any help by a third party am horrified that I have been requesting investigation results, audit trails, and information for years now, to validate the accuracy and validity of the alleged debts being reported on my credit file. I have sent certified letters requesting all information used to " verify '' with no response. I also had to send in letters and identification to validate my identity several times because they kept using the stall tactic that they could not validate my identity in spite of faxing and mailing my drivers license and social security card several times. Regarding the disputed items they are reporting, The Consumer Reporting Agency EQUIFAX has only told me they are verified, which they can not do as I am the only one that can verify them. Furthermore, EQUIFAX has been provided proof ( pictures of each account with all credit reporting agencies ) that they are reporting differently with each CRA, which means that they can NOT be accurate if there are discrepancies, yet they have not deleted them as the law requires. I am tired and suffering with their notations and games of them changing the information around instead of deleting as guaranteed by my consumer rights.