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

Despite the multiple CFPB complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent acccounts on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am requesting that you remove the following fraudulent accounts completely from my Credit File : EQUIFAX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX Balance Owed : {$1400.00}
Complaint sub-issue: Information belongs to someone else

I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.
Complaint sub-issue: Reporting company used your report improperly

Hello, After news of the Equifax hack, I went to https : XXXX to check if I was impacted. According to the website, I am and my data may be compromised. 

I would like to file this complaint to make sure my account is monitored and that I will not be victim to identity theft. 

Thank you, XXXX
Complaint sub-issue: Deposits and withdrawals

after over 30 years of having this Citibank checking account with no issue, the bank now holds deposited money for days with no explanation why. I discussed this issue with the bank manager with no resolution or information. I then was on hold for 26 minutes to talk to a phone rep who could  not help me then transferred me to a XXXX from XXXX when said he could not help me and had no information for me then when i asked to be transferred to someone who could answer my question he hung up on me. I need proper access to MY own money. Please help me. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Citibank best buy has reported an unauthorized inquiries on my XXXX   credit, I also have a theft report number XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an email that my social security number was compromised on the dark web. I've contacted XXXX, Equifax, and XXXX  to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXXthat were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Complaint sub-issue: Account information incorrect

I pulled my credit report and noticed that  Jefferson Capital Systems are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Te xas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Complaint sub-issue: Company closed your account

On XXXX XXXX, Discover decided to close my account without warning due to my personal information being incorrect. The information given on the app was not incorrect and was in fact correct. Two weeks before that, my card was locked and when I called Discover the had me fill out a form confirming my information and they said my account will be fine now. Just for in the next weeks, I would get an email saying my account is closed. I was not missing any payments, in fact I was paying more than the app was suggesting to. This closure made a negative effect on my credit score and no one at Discover seems to want to help me or give me the answers I need.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company XXXX XXXX XXXX keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.
Complaint sub-issue: Deposits and withdrawals

On Saturday XXXX XXXX I initiated a wire transfer from my Citibank accelerate savings account for an amount of {$25000.00}. I was contacted by the fraud department that afternoon and answered many identity verification questions. I contacted Citibank again on Sunday XXXX XXXX at their request, answered more basic identify questions and was told the wire should be set in 24 hours. I contacted Citibank again Monday XXXX XXXX, answered more basic identity questions and was told I had to wait another 24 hours for my funds. I contact Citibank on Tuesday XXXX XXXX and transferred to multiple departments after holding more then 45 minutes. 

They made me call multiple phone numbers, talk to many different departments and created unreasonable obstacles to obtaining my funds despite me proving my identity on multiple occasions. At times the representatives were not even to identify who I was being transferred to. Overall I have spent a total of over 80 minutes on the phone or on hold with their fraud department.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed disputes concerning the information on my credit file. I am being told that is it factual. I do not know some of the creditors listed on my credit profile. I do not have an open line of credit listed in which I am paying. I will attach a letter that outlines my complaint in greater detail.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, I requested a review of my payments that were eligible for XXXXSLF. I work for a Public School ( 16 years and counting ) with Consolidated Loans, with 127 payments made towards them. Only 17 are eligible?? I have requested the reasons why only to be told thats all that are eligible. I requested that the payments be reviewed only to be told that it would take months to perform this recount. I was told that it would take three months, now I being told that they do not know how long the counting will take?? 

It took me 10 min to tally up my count? 

With the new Federal Rules for PSLF/TPSLF ALL of my payments should be counted. I have ALL of the necessary credentials for forgiveness, and I can not understand how I only have 17 payments being applied to my forgiveness, ALL 127 payments, NOT even counting the 20 months in Federal Forbearance, which would put my count at 147 payments?! 

I expect full loan forgiveness as a result of this review of my payments.
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my credit report that I do not recognize and are not mine
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Attempted to collect wrong amount

There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Asked the XXXX  to verify account # XXXX filed XXXX XXXX and I checked they are still reporting inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

I initially co-signed a loan for my son in 2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by XXXX. I contacted them directly back in XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719tXXXX has me at a score around 590. 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I mailed a letter to XXXX in regards to accounts listed on my credit report. I wanted XXXX to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account Being that I had not heard from XXXX so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from XXXX regarding both letters mailed to their office.
Complaint sub-issue: Account status incorrect

I suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.
Complaint sub-issue: Account status incorrect

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.