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

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 Addresses show tooltip button Select as many as apply XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX P XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX NEED XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX REAR XXXX, TX XXXX XXXX COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX TEXAS XXXX, TX XXXX APARTMENT XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  COMPLEX XXXX THST XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX COMPLEX XXXX XXXX P XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX COMPLEX
Complaint sub-issue: Reporting company used your report improperly

XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Complaint sub-issue: Account status incorrect

problem whit XXXX XXXX XXXX on my credit report about every 2 to 3  month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet
Complaint sub-issue: Confusing or misleading advertising about the credit card

Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts : If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00}
Complaint sub-issue: Can't use card to make purchases

1.In XXXX XXXX. 2012, I was trying to pay the diesel purchase in XXXX gas station when I traveled in state ( GA ), the transaction was declined. 

2.I call the customer service for resolution immediately, and follow up their instruction for verification.

3.the representative misstep the processing and put my account on hold, to getting me to wait 7-10 business days for a letter for verification.

4.during the phone call the representative hang up the phone 2 times with bad manner.
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 ) Credit Bureau 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 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 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: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation
Complaint sub-issue: Their investigation did not fix an error on your report

Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX
Complaint sub-issue: Reporting company used your report improperly

In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions. 

15 U.S.C 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts
Complaint sub-issue: Information belongs to someone else

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit reportXXXX 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, Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. 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 I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Complaint sub-issue: Can't decrease my monthly payments

I 'm attempting to have my student loans deferred for 1 year due to a job loss, continued custody court issues with my 4 year old son, and helping my elderly widowed mother whom has XXXX, pay for medicine. In XXXX I received an email from the XXXX. I responded to the email and wrote the omnibus for help to consolidate my student loans but never heard back. I left a voicemail for a XXXX at a XXXX XXXX location but never heard back. I 've asked my congressman, XXXX and XXXX of XXXX to help with a congressional inquiry. I 'm asking the CFPB to please help. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Complaint sub-issue: Debt was result of identity theft

I have been going back and fourth with this debt collection company for almost a year now. I've reached out to the Credit Reporting Agency and the companies themselves! I've filed a XXXX  complaint, FTC Complaints and sent numerous letters and everything. But still nothing is happening at all it is still on my credit report. They sent me statements and bills with a completely different name and i told them that this is not my account, i never received any goods or products nor have i personally ever made a payment to this company on my account. This is causing me stress and really hurting my reputation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed Equifax my report from the ftc identity theft report, along with my identity theft report that is notarized, and a copy of a police report stating that I was a victim of identity theft and Equifax fail to remove some of the accounts stated on the report. The accounts that are on the identity theft report and police report are the U.S. Department of Education, and they are incorrectly report my child support from the State of Alabama after I have disputed it numerous of times.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Personal information

Plese correct date of birth and remove any items prior to my XXXX birthday
Complaint sub-issue: Trouble with how payments are being handled

I sent a letter to Great Lakes XX/XX/2022, which they received. I requested the original instrument of indebtness and a certified statement confirming and affirming that the original note had not been sold.

They have not responded, which means they dont have it and i explained to them i have the right

to request it based on the Freedom of Information Act... This is my 2nd attempt. If they cant provide the document, it must be discharged.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to XXXX or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Complaint sub-issue: Information belongs to someone else

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

2. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

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

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