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

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX{$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/2019 {$1000.00} - XXXX XXXX XXXX XXXX XXXXY XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX{$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - XXXXXX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$1600.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$1100.00} - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} -XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : -XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious information. I think you have not validated these accounts 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 complaints and I'm including it again. 
XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Complaint sub-issue: Not given enough info to verify debt

Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.
Complaint sub-issue: Information belongs to someone else

IC Systems is reporting a fraud accout on my credit. 
I didnt open this account, nor did I authorize anyone to do so on my behalf. 
Please remove this account from all 3 credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.
Complaint sub-issue: Debt is not yours

I am presently involved in a medical malpractice litigation against a hospital. My previous LawFirm ( XXXX of XXXX XXXX ) made me see an XXXX doctor that I did not seek as a medical provider for my care. The LawFirm chose the doctor and sent me to him. This was in XXXX AR RESOURCES INC Original creditor : XXXX XXXX XXXX  XXXX XXXX in the amount of {$1400.00}. Well, I since parted ways with the Law office of XXXX XXXX for new representation on my case. XXXX XXXX office sent me to this doctor, I didnt request them, therefore I am not responsible for this bill. XXXX XXXX is!! This has dropped my XXXX credit score approximately 87pts.. Going from XXXX to XXXX. Please get this unjust report off my credit reports. XXXX.
Complaint sub-issue: Old information reappears or never goes away

Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Debt was result of identity theft

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C . SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Account status

In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and XXXX XXXX XXXX which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the first delinquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The seven years has now past, and I have disputed the information with all XXXX credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the first delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Please Help Me!! 

Equifax XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Complaint sub-issue: Banking errors

I need information on 4 checks from XXXX to XXXX, 2016-Ive called 10 times. I get hung up on after 30 minute holds. Contacted manager 5 times-no return call.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Personal information incorrect

I sent a certified letter to Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 and requested they update my personal information as a precaution to prevent the jeopardizing my identity from credit fraud. Equifax replied via a letter on XX/XX/2022 and the letter stated that they had done an investigation and had concluded that my information was verified. 

That is not what I requested they do. I asked them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. 

As a consumer, I do know I have the right to request an Equifax update and remove all old and outdated information on the credit file. 

In refusing to consent to my request, they have violated my consumer rights to fair and accurate reporting on my credit file.
Complaint sub-issue: Information belongs to someone else

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Reviewed my credit report last month and is showing Sears-citibank as reported balance of XXXX + with all National Credit Bureaus. Prior to last month of viewing my report, I received letter from an agency asking for this alleged balance. Til date I have not received any validation of this balance upon request from this agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received my investigation results and saw some accounts were verified. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. Also, I have included proof of inaccuracies with a copy of an inaccurate credit report. At this point, you are knowingly violating the Fair Credit Reporting Act and my consumer rights. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any small claims action. I am also including a copy of my complaint to the following organizations : CC : XXXX XXXX Assistant Director of EnforcementConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC. Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXXC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.
Complaint sub-issue: Other problem getting your report or credit score

The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. XXXX for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
Complaint sub-issue: Public record information inaccurate

In accordance with the fair repair reporting act bankruptcy XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Inadequate help over the phone

I contacted XXXX XXXX XXXX who refused giving me assistance about an unauthorized inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still did n't take care of it and gave me a hard time
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, XXXX and LexisNexis have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX  XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. 
I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX  they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.
Complaint sub-issue: Fee problem

We have this Citi checking account ending in XXXX, that is linked to a brokerage account. The average monthly balance required to avoid the monthly fee in {$1500.00} in all combined accounts, and our combined balance in both accounts is well above this number. However, Citibank keeps charging a XXXX XXXX monthly fee each month. We called last month, and a rep acknowledged that everything was correctly set up and linked and the fee should not apply, and he removed the fee. However, Citibank charged the fee again this month. Upon speaking with a rep, she is saying that she is unable to access our account and then hung up the phone on us, when we asked her to close the account.