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

Im resubmitting 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 XXXX and Equifax are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax 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: Account status incorrect

All XXXX accounts are not reporting the same with all three credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX as paid for less than the full amount Whereas Equifax shows this same account as charged off. XXXX shows the same account as payment after charge off collection. 

***Equifax shows XXXX as no more than 4 months past due. Whereas, XXXX shows legally paid in full for less than full amount. XXXX shows the same account as 90 days past due. 

***Equifax shows XXXX XXXX  charged off. Whereas XXXX shows shows lthe same account as egally paid in full for less than full amount. XXXX shows commerce as payment after charge off as collection. 

***XXXX  shows XXXX XXXX as charged off, where as XXXX shows it as charged off as a bad debt.` In addition, 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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.

15 U.S.C 1681 section 602 A states I have the right to privacy.
Complaint sub-issue: Public record information inaccurate

LEXISNEXIS is reporting inaccurate public record information to the consumer reporting agencies that is a private matter and I never gave permissible purpose to report this information.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Complaint sub-issue: Billing problem

On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT. 

As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday. 

As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX are you aware of the prosecution The CEO, CFO, Executives or any agent of XXXX XXXX XXXX XXXX will face? The Internal Revenue Service ( IRS ) will be forwarded this letter upon thorough investigation of XXXX XXXX XXXX XXXX deceptive business practices and all the misleading information XXXX XXXX XXXX XXXX has provided to an Consumer, it is unlawful of all your business practices. I am aware of this transaction and you failed to comply and provide full disclosure that my car is 100 % paid for. XXXX XXXX XXXX XXXX will be held accountable believe that as a federally protected Consumer, my rights have been violated.
Complaint sub-issue: Information belongs to someone else

I'm writing to report that Equifax has continued to allow fraud on my credit report. I asked them to remove the creditor, XXXX, in the amount of {$72.00}. I do not know of this creditor. I do not have knowledge of this creditor. I have had no dealings with this creditor. This does not belong to me. This is a fraudulent account. It is fraud. The address is also incorrect. I reported the fraud to Equifax and they still have not removed. I have no other collections on my credit report, except for that {$72.00}. And no other credit agency I reporting this in my report. I am requesting that Equifax please remove this creditor and amount from my credit report.
Complaint sub-issue: Company closed your account

I was accepted for a {$5000.00} loan for the first time so I chose XXXX XXXX to be the bank that I'd positive the loan company had told me that we need to do a test deposit of a certain amount for a promissory trustworthy note and I was to return the money that they deposited before they would deposit the full amount of the loan come to find out after they deposited the test deposit I tried to transfer the money back to the lenders they Citibank blocked my account for no reason no explanation I tried to call all that day the next morning I get a hold of the deposit department and I am informed that it is closed due to suspicious activity fraudulent activity not on my behalf but on the lenders from fast payday loan I have documentation that I had to sign agreement with the lender I also have text messages from the lender about the loan when I explained to XXXX   that I had no involvement in this fraudulent activity they still said that they was closing my case for future references not only does this ruin my credibility but it also ruins my credit I am appalled that they would help me for something I had no knowledge of due to this being my first time accepting a loan I was informed that we were to share our information of our banking account so they can deposit the loan I don't feel like I should be punished for somebody else 's criminal activity and that I think it's an unfair decision that they made and I would like a an apology and I would like to be unslagged and just taking off my credit report I'm a victim just as well as company is that these people were trying to defraud I have rights just as well as anybody else in this country I feel that XXXX  should listen to their customers more than protect their money because they are insured we are not
Complaint sub-issue: Information belongs to someone else

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX Equifax XXXX consumer solutions
Complaint sub-issue: Don't agree with fees charged

I was a student of XXXX last XX/XX/XXXX. my XXXX shut its doors to us out of nowhere. I have a {$15000.00} private student loan with American Student Financial Group. My college was not to have used those funds until I started my XXXX term of school. The school was to exhaust my federal student loans first before touching my private loans. My school tuition totaled {$30000.00}. XXXX initially told me that my student loans were {$15000.00} and that in need another {$15000.00} to cover the cost through ASFG. That being said my private loan should have not be in use until the first week of my XXXX term. Unfortunately my school surprising shut down 1 week prior to taking our XXXX term finals. As of XX/XX/XXXX, I contacted ASFG and they told me that they are unable to discharge my loans. That they will off a discount on my principle loam. Which is absurd! Why am I going to pay {$15000.00} + 12/13 % interest on a loan I have not used.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX, US Dept of Ed account # XXXX has violated my rights.

15 U.S.C 1681 section 1681 section 602 A States I have a 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: Their investigation did not fix an error on your report

I submitted a dispute to XXXX  on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX,  XXXX. 
Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX  and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. 
XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX,  which I requested by phone on XX/XX/XXXX. XXXX   states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in XXXX, my credit score drops again.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt is not mine

The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). 

The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.
Complaint sub-issue: Their investigation did not fix an error on your report

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Complaint sub-issue: Information belongs to someone else

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as Equifax, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Complaint sub-issue: Information belongs to someone else

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.
Complaint sub-issue: Information belongs to someone else

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Account Shows Late/Charge off/open. This account was never late. Currently have no open account. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2022, I filed a dispute against a debt with XXXX, original owner, XXXX XXXX closed the account & sold it to XXXX. On XXXX the XXXX 2022, I received a alert from XXXX XXXX informing me that my credit score had dropped XXXX points. This was supposedly due to a remark that XXXX XXXX had placed on my file. I contacted Equifax and they informed me that the investigation had not been finalized, and NOT AWARE of any remarks XXXX XXXX placed in my file. I IMMEDIATELY contacted XXXX XXXX again to inform them that they have no evidence to lower my credit score and that they acted prematurely. The only response that I could get from them was to refer to my file and read the remark.1 ) XXXX XXXX had no communication with Equifax and made a decision with intent to negatively impact my score. 2 ) XXXX XXXX used unfair practices which will bring a negative impact to my borrowing power and reduce offers I am currently receiving. I will be subject to higher interest rates and fewer loan approvals, etc. 3 ) I have disputed this SAME debt with Equifax for over a year as " Not being mine/no knowledge of account/someone with similar name and NEVER impacted my score. 3 ) Equifax had a data breach and refuse to acknowledge that in this situation. This " remark '' ( falsehood ) has been hidden and XXXX XXXX will note reveal it too me. Please assist, Thanks!
Complaint sub-issue: Debt was paid

I have paid all my copayments and I told USCB America about that ; but they said that I still owe XXXX XXXX copayments. For example, I paid for XXXX XXXX and XX/XX/2020 services and I told them that I paid for every single service that I received. This business has sent bill to me and called me and want me to pay for these two services again. Please help me to solve the issue. XXXX XXXX XXXX asked the USCB America to collect the payments again from me even though I told both the XXXX XXXX and USCB America that I paid for every single service that I received.
Complaint sub-issue: Information is not mine

I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.
Complaint sub-issue: Received bad information about your loan

I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Complaint sub-issue: Account information incorrect

I have tried multiple times to have my Equifax account updated correctly. I have sent multiple dispute letters and have yet to receive a response and/or correction to my accounts. Equifax has been unable to validate accounts and is erroneously reporting negative information. The entries in question are : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Promotion is misleading and predatory. Advertised as no interest or interest free for 12 months. I bought furniture in the amount of {$1800.00} in XX/XX/XXXX. Promotion expired XX/XX/XXXX. Since I did not pay off the balance. I was charged {$420.00} dollars in Interest. The interest was deferred. I was not award that the interest was deferred. It was not stated on their promotion. The company could have advice their customers that their promotion is about to end and if they want to avoid the interest charged they have the option to pay off the balance. I was not aware that it was expiring. I was making my monthly payment on time even though I was jobless due to the pandemic. To charge their customers {$420.00} for 12 months period is outrageous and predatory.