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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Equifax, XXXX- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to Equifax, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Complaint sub-issue: Can't close your account

I received a XXXX XXXX XXXX XXXX in the mail for an account around XXXX XXXX. 

I have never opened a Square account. This is a cause of fraud/identity theft. 

I contacted Square. Through XXXX conversations, and XXXX email exchange, I discovered that multiple accounts have been opened in my name, using my birthdate and social security number. I have not been able to get consistent answers about exactly how many accounts had been opened. 

On the phone with customer service on Wednesday XXXX XXXX, they told me 4-5 accounts had been opened in my name, and assured me that they had been " deactivated ''. I asked for confirmation in writing, and they said that would take 1-2 business days. I gave them my email address. 

I did not receive the confirmation, so I had an email exchange with customer service at Square that I initiated the following Monday XXXX XXXX. In this email exchange, the representative told me that they had " missed XXXX accounts '', but now all accounts were closed. They failed to respond to my followup inquiry about exactly how many accounts had been opened and closed. 

I then called customer service again on Wednesday XX/XX/XXXX. I was now told that there had been XXXX accounts opened in my name, dating back to 2013. XXXX were opened " recently ''. I was told that they weren't sure if they would be able to get me anything in writing confirming that the accounts were closed.
Complaint sub-issue: No notice of investigation status/result

Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.
Complaint sub-issue: Reporting company used your report improperly

I requested the credit bureaus ( XXXX, Equifax and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, Equifax, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( Equifax : XXXX, XXXX : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, Equifax, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting company can not furnish an account my without my instructions or consent.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Originally filed a complaint in XXXX. Equifax came back and said it belonged to me. I sent documentation to them showing it was not mine. They wanted me to send it to XXXX XXXX instead of taking it off my report. I sent the documentation to XXXX XXXX but The issue has still not been resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

DENIED CREDIT DUE TO XXXX XXXX, EQUIFAX, AND XXXX CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Complaint sub-issue: Information belongs to someone else

EQUIFAX HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING EQUIFAX SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM EQUIFAX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.
Complaint sub-issue: Account terms and changes

I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.
Complaint sub-issue: Investigation took more than 30 days

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Problem with personal statement of dispute

Opened credit account with ExxonMobil in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from XXXX that credit score had been reduced due to delinquent ExxonMobil account. Attempted to log on to ExxonMobil website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted ExxonMobil about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't ExxonMobil notify me of a balance due before notifying XXXX? I sent several messages via ExxonMobil 's website about the above and was informed that autopay never got set up. I called ExxonMobil customer service and asked why ExxonMobil hadn't notified me before XXXX. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for ExxonMobil to let XXXX know that I was not informed about the balance due. Needless to say I have recently re-set up ExxonMobil autopay to forestall the above repeating. My account currently is paid up.
Complaint sub-issue: Problem getting my free annual report

XXXX no longer serves its ' purpose, there is no way to easily get your credit report the way the reporting companies have set this site up. What a shame, a system meant to force private industry to be responsive to the consumers who information they make their profits off of, has been infiltrated by the reporting companies and completely neutered of any relevancy, a dnwe have the great folks in charge of regulating this at the FTC to thank. Thanks for doing your job for all American ( companies ), you guys really deserve a raise. ( Hint, the American citizen has been tapped out already, any raise you people get for doing absolutely nothing is going to have to come from your corporate overlords from now on. )
Complaint sub-issue: Not given enough info to verify debt

On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.
Complaint sub-issue: Information belongs to someone else

I have read that Equifax is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physically & financially ... and I would truly not what to pursue a legal remedy ... DELETE this account instantly : XXXX BANK XXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank Credit Cards on XX/XX/2020 significantly lowered my credit limits on the Costco Visa ( by XXXX ) and Citi XXXX Mastercard ( by XXXX ). 

Their letter stated that it was due to an unpaid high balance on another card - this was the XXXX XXXX XXXX identity theft fraud that I previously reported and was trying to resolve with XXXX. 

I was current and paying on time and my accounts were long standing accounts in good standing with Citibank. 

As a result of Citi 's actions, my accounts at Citi were then shown as at 90 % + credit utilization further deteriorating my credit score. 

I have since paid off the whole balance of each of the citibank cards, but the damage to both my credit limits and credit score continues.
Complaint sub-issue: Account information incorrect

I would like to state that Equifax, XXXX and XXXX is in violation of 15 USC 1681 ( a ) ( XXXX ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax XXXX or XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow Equifax XXXX or XXXX to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( XXXX ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax XXXX XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax XXXX XXXXwants to continue to do business with me, they should delete these inaccuracies off my consumer report.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.
Complaint sub-issue: Public record information inaccurate

I have been trying get Equifax, XXXX and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX {$470.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my Equifax and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.
Complaint sub-issue: Public record information inaccurate

I received my free credit report on XX/XX/XXXX and noticed that Equifax is reporting in error in public records chapter XXXX bankruptcy. I never filed chapter XXXX, I filed Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. I submitted a dispute to Equifax 3 times on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX and asked them to remove the incorrect information. In response not only did Equifax not remove fictitious Chapter XXXX, they added verified date XXXX XXXX. So not only they did not remove the wrong information, they made it look as more recent bankruptcy. Equifax created a financial hardship for me and my family. I am self employed and my business depends on my credit. in the last 30 days 2 credit card companies cancelled my credit cards accounts and 1 reduced my available credit line. I tried calling Equifax multiple times, every time customer service representative told me that they do not see Chapter XXXX on my report and when I asked to speak to a supervisor, was placed on hold for a long time and then call was disconnected. I would appreciate if you can help to hold Equifax accountable for reporting incorrect information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
Complaint sub-issue: Threatened to sue you for very old debt

I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.