Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I have a debt collection reporting on my credit that is not mines. It appears to be from an auto loan that I did not authorize nor give permission to anyone else. I have never financed a car through this particular lender.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXXN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : 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: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXA
Complaint sub-issue: Information belongs to someone else

Equifax has mixed my brother 's credit report with mine. 

We have similar first names and our SSN 's were issued on the same day and are 1 digit apart. 
Equifax will not fix this problem despite sending them a detailed letter with documentation they requested in XX/XX/2016. 

I am once again fighting with them to get my brother 's credit information off my file. 

they are giving me the run around and I can not get even a small loan due to this error on their part. 

I have checked my credit report with other agencies and the do not have my brother 's data mixed in with mine.
Complaint sub-issue: Their investigation did not fix an error on your report

This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Complaint sub-issue: Information is incorrect

I recently learned from my Equifax credit report that all of my former employers have been deleted from my history. 

My first employer from XXXX was XXXX XXXX. 
2nd employer XXXX -XXXX XXXX XXXX. 
3rd employer XXXX XXXX. 
4th employer XXXX XXXX XXXX XXXX XXXX XXXX. 

The Social Security Admistration have my history in their data base and have written a for me to be able to get XXXX. 

I am deprived of health care insurance due to theft of my identity. You recently updated my name to XXXX XXXX XXXX. I 've been told by the FBI to pull my transcripts from IRS showing my wages from my employer. Please advise if you need copies.
Complaint sub-issue: Account status incorrect

Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX  XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/16 Complaint Department Equifax Credit Information Services , Inc XXXX XXXX XXXX, GA XXXX XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, 2016 I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 

These above accounts are been rehabilitated according to the XXXX Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the XXXX the above duplicate accounts listed XXXX XXXX XXXX should be removed. The XXXX further reports that credit bureaus should contact the XXXX while these items was disputed. While the credit bureaus never contacted the XXXX provided me the letter as evidence mail to Equifax. According to the XXXX these items should be removed. Please removed these items, or contact the XXXX Furthermore Account Number : XXXX Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. Please provide me the evidence that I owe them any money. 
I am requesting that Equifax have the item s removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my XXXX passport and driving lic, as evidence that I have XXXX single name. 

Supporting my position. Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them deleted the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX Pennsylvania
Complaint sub-issue: Didn't receive terms that were advertised

Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened. 

Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent. 

I met the account opening bonus criteria. 

Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail. 

I've also emailed the " executive escalations '' group at Citibank, and that didn't help either. 

Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 agency can not furnish without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 a letter was sent to each credit bureau ( Equifax, XXXX and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Complaint sub-issue: Other problem getting your report or credit score

I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

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

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Complaint sub-issue: Personal information incorrect

a letter was sent out XX/XX/XXXX asking that all previous address be deleted. employment history be deleted because i don't work .also, change address to the current address and correct birthday.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : 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: Account information incorrect

XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Complaint sub-issue: Information belongs to someone else

AVANTE USA ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.
Complaint sub-issue: Information belongs to someone else

Someone obtained my information and pursued to utilize it to apply for some apartments and more.
Complaint sub-issue: Funds not received from closed account

Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. 

Multiple calls over 2 months to try to close the account several hours spent on hold each time. 

XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. 

XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. 

XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Complaint sub-issue: Deposits and withdrawals

I have two direct deposits from my employer to my checking account with Citibank that are not in my account. I have worked with my employer, XXXX XXXX XXXX, to find out what happened. They have given me trace numbers for these deposits and stated that the money is in Citibank. Citibank refuses to help me trace the funds. Now they are charging me overdraft and returned check fees in the amount of {$120.00} and have the nerve to have their collections department call me. 

The first missing deposit was made on XX/XX/XXXX in the amount of {$180.00}. The trace number given to me from my employer 's bank, XXXX XXXX XXXX, is XXXX. The second deposit was made on XX/XX/XXXX in the amount of {$380.00}. The trace number from XXXX for that deposit is XXXX. 

Citibank has told both my employer and myself that the deposits may have been put into another account. Yet they refuse to trace it and make it right. I have asked to speak with the ACH department but no one can connect me. 

I am beyond frustrated at this point. I have a cut off notice for my light and my auto insurance has lapse. I don't have a lot of money so I need for them to find my money and credit back my account the overdraft fees.
Complaint sub-issue: Information belongs to someone else

I have been told my ex husband opened a XXXX phone account without my knowledge using my information after we were divorced. I said no knowledge of the account that he purchased online and used my information. have a {$3500.00} bill with a collection agency who I have told numerous times that that is him and not me. I was actually in the hospital most of XXXX so when charges were being made I was not even around. They have now put a derogatory open collection on my credit report and Im trying to get them to take it off they are extremely rude and mean and will not listen to the fact that I have told them my husband is a felon and ran hes wanted I have no idea where he is so I am unable to locate him. I need this off my report so I can get my new house through the USDA.
Complaint sub-issue: Report improperly shared by CRC

There are several inquiries on my credit report that I did not authorize. These are ALL A RESULT OF COMPAINES FRUDENTLY OBTAING MY CREDIT REPORT INFORMAITON AND EQUIFAX GIVING THEM MY INFORMAITON. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. Equifax has also failed to investigate these fraud inquires on my credit report and has kept sending me their standard generic letter about inquires. How about they actually read and do something other than spitting out there generic letters. This is a violation of my FCRA rights and is hurting me financially now. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Bank - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX Bank - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX GA - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry XX/XX/XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX