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

I have been a victim of identity theft and there is a fraudulent in that was opened in my name due to fraud. The credit bureaus are still reporting fraudulently information on my credit filed.
Complaint sub-issue: Investigation took more than 30 days

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the State of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank XXXX XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Company closed your account

Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

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 me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXk XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : The XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 5. Account Name : The XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 7. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Ive reached out to Conns several times one of which was yesterday for help/assistance with my Conns bill. Due to COVID 19 I was advised I could call by a rep from the company if I was having difficulty paying my monthly bill. I reached out to them after my account was past due since that is one of their requirements before they can help you with a payment arrangement. I also received an email from conns stating that they can help with lower payments. When I called I was transferred to a supervisor from billing which denied me any form of help. I just spoke to someone again today and she said they do offer help. She transferred me again to billing and still theyre not offering me any reason for not helping me or any assistance. Ive done what they asked waited until my account fell behind to ask for help now they refuse to help me and now Im being told my account has to be 23 days past due before they can help me.
Complaint sub-issue: Personal information incorrect

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TEXAS XXXX Please delete all other addresses, I can not receive mail or any correspondence nor did I ever lived at any of those addresses, I do not have access to any of those addresses. Please delete all addresses from my credit report and update it with the one above. 
My phone number is ( XXXX ) XXXX Delete any and all other phone numbers I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

please send an updated credit report once the changes are complete to my contact information listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX TEXAS XXXX ENCLOSED : COPY OF MY STATE ID, AND SOCIAL SECURITY CARD, FOR PROOF OF ADDRESS.
Complaint sub-issue: Can't use card to make purchases

XXXX 's is performing unscrupulous acts and tactics on my account. They are increasing my credit and then when I try to utilize my account they flag it, embarrass me in the store, change my account information Without my knowledge and have me undergo a litany of security measure with Foreigners ( offshore personnel ). This same or similar issue has happened 3 times now, which is unnecessary and excessive. 

I have been documenting the things XXXX 's has been doing on my account since inception. I have conducted myself responsibly, morally and ethically with my credit account with XXXX 's, but they have not. I was contacted on XX/XX/XXXX while attending Church services before XXXX from XXXX 's credit services in Ohio XXXX which was a Sunday morning. They ( XXXX 's ) claimed they wanted to ensure I made the purchase for {$520.00} on my account, although the purchase was coming to my home address, the same listed on my account. Meanwhile, I just made a purchase on XX/XX/XXXX for {$1900.00} and had No issues in the store. XXXX 's is well aware I do a lot of shopping period, but especially between XX/XX/XXXX- XX/XX/XXXX of every year with them, due to their Thanks For Sharing program they solicit for me to sign up every year. They solicit me personally in the store, as well as, at home via phone and mail. They also increase my credit limit every year to encourage me to shop. Then when I shop they block the card while I 'm IN THE STORE ask to speak to the salesperson and me personally, ask me very personal questions about my Mortgage, Vehicles and other things that really have nothing to do with my identity. While in the store I have Multiple forms of Valid indentification which they NEVER ask for and I have to wait 45 minutes or more each time. Is very humiliating disrespectful and inconvenient for me to sit and go to this process if they felt that I was not who I was then why keep giving me credit increase is without my consent with my authorization with my request if I ca n't use it without going through this embarrassing process me each time! Then to add further insult XXXX decided for my protection ( after verifying everything completely and confirming My indentity ) they would block my current credit card, reissue a NEW card without my knowledge or consent. Which would have led to further embarrassment. There is only 1 way I will agree to resolve this and this is a settlement offer from them, or I will pursue further action and I will demand MORE. I have abided by the mutual contractural agreement, overpay every month and on time, but I 'm being abused and mistreated, this can also negatively adversely effect my credit when my credit card account number keeps changing without my consent or a valid reason, which will appear with all 3 major credit reporting agencies.
Complaint sub-issue: Other problem getting your report or credit score

I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA pursuant to section 605B and are outright refusing to uphold the law.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

BASED ON AGE OF ACCOUNT BY EQUIFAX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Complaint sub-issue: Personal information incorrect

Applied for an Auto Loan through XXXX XXXX XXXX and found out that Equifax has me filed as deceased. My wife received a letter stating they were sorry for her loss and that her husband had passed away. This was very upsetting to her and caused a lot of pain. 
I've contacted Equifax three times to resolve this issue and still they are unable to fix the problem. I don't understand how a dead guy can still make payments on an auto loan and that not alert any questions. It seemed to be so easy to file me as deceased, but impossible to bring me back to life. I'm not sure how a company like this is trusted to hold several accounts with personal information. 
I'm just curious if my information was part of the XX/XX/2018 breach? 
Thank you for your help, XXXX
Complaint sub-issue: Information belongs to someone else

I applied for a sears credit card in store o n  XX/XX/XXXX . I never received a card. I have a credit monitoring service that alerted me that this account was 90 days past due on  XX/XX/XXXX  and also  XX/XX/XXXX  for the amount of {$66.00}. My credit score dropped from   XXXX  to a little over  XXXX . I called SEARS / CBNA and reported this problem and was told that the account would be closed and investigated for fraud. I filed disputes with  XXXX ,  XXXX  and  XXXX   XXXX . My credit monitoring service is still showing this account to be open. I would like to close this account and have this removed from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I made a purchase to best buy in the amount of {$1400.00} Upon tracking my order it showed delivered, I had not received the item in question, I called best buy on XXXX XXXX and was told my purchase was delivered. The rep provided the address and, I informed rep the address was in correct. 
I was given options to pick up the merchandise in a store 4 hours away from my home, I then requested a refund, I was told I would be credited, but never received a credit. i had called XXXX XXXX back to ask the status of my credit with no luck. I then disputed with Citi bank with no luck. Citi bank indicates I am responsible for best buys error Citi bank has provided to me documents that show, the incorrect address my purchase was sent to. 
This error is negatively impacting my credit score
Complaint sub-issue: Can't get other flexible options for repaying your loan

This loan is too high. I am having trouble paying it. I did not graduate from this institution because I was not well prepared by the faculty and administration. I am stuck struggling to repay a loan for a school I did not graduate from in a field that I am not currently in.
Complaint sub-issue: Information belongs to someone else

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these XXXX XXXX XXXX XXXX LP # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Complaint sub-issue: Problem with customer service

I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.
Complaint sub-issue: Debt is not yours

Lake City / XXXX are continuing to attempt to collect a debt that is not owed by me. The debt is erroneous and fraud. They have claimed to validated these alleged debt. They have skipped traced and received my current address. However the address listed on the debt was never my address ... the fraudulent bank account documents they also included are also unknown. In addition, the credit bureaus and LAKE CITY/ XXXX  have been provided with the police and affidavit that was required. I do not owe and have never owed said companies listed.