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

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX  XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Complaint sub-issue: Reporting company used your report improperly

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

CONN 'S HOME PLUS CONSUMER ACCOUNT ( FURNITURE ) OPEN ACCOUNT AT STORE : XX/XX/2020 FIRST PAYMENT : XX/XX/2020 XXXX {$400.00} ) FIRST PAYMENT POSTED : XX/XX/2020 XXXX {$400.00} ) SECOND PAYMENT : XX/XX/2020 XXXX {$220.00} ) SECOND PAYMENT POSTED : XX/XX/2020 THIRD PAYMENT/POSTED : XX/XX/2020 XXXX {$220.00} ) FOURTH PAYMENT : ( for XXXX XXXX XX/XX/2020 XXXX {$370.00} ) not posted (? ) by Conns FIFTH PAYMENT : ( for XXXX ) XX/XX/2020 XXXX {$140.00} not posted (? ) by Conns -No billing statements or bill summaries to date from Conn 's since account creation -No credit card issued to represent my active account -No billing activity, payment activity, account number available online via account login -Contact made with Conn 's via ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and received no assistance ; transferred repeatedly to different departments that claimed not the be able to offer me assistance -I made contact with a local store manager " XXXX '' XXXX VA at ( XXXX ) XXXX -Online bill pay via my online account is not capturing my payments properly -Given several different addresses for corporate office, CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax
Complaint sub-issue: Trouble getting, activating, or registering a card

I recieved a reliacard from US Bank and I did not apply for unemployment benefits and I dont know why and dont need I'm retired.
Complaint sub-issue: Problem with fees

I purchased an appliance on XX/XX/2021 but it didn't fit. I called to have it returned and was told to wait a few days to get it cleared. I needed the fridge and couldn't't wait so I had my credit increased. A few days later, XX/XX/XXXX, I bought another one. Now, both charges were on my account. Apparently there is a debt protection program that I was enrolled in. I had inquired about this years ago and the employee says its a fee for not using a debit card. XXXX, I didn't question it because it was a few bucks each month. Now, I had 2 large charges on my account which caused it to go over the limit even though one should have been returned. I waited and called back a few weeks later and was told it wasn't cancelled yet so they would cancel it. I waited a few weeks and it was still on my account. It was time to pay my monthly payment but I don't feel it is right to pay a payment when my account isn't correct. I called again and was informed that it was never cancelled but NOW would be cancelled. I waited for it to show on my account as a pending return. I noticed that the debt protection fee is {$40.00} which is way more than usual.I called debt protection number that was on the statement and they explain what it was and how its charged so much for every dollar amount charged. I asked to cancel it and it was. 
I received many calls everyday asking when I would pay my payment, but was never contacted to let me know the status of my return or any follow up calls. So, I informed the person that I would pay the payment once my account is correct. She informed me that she will return the late fee. I asked why I was charged so much for the debt protection when clearly the fee was accessed for both appliances and didn't take out the part that was returned. I don't understand why I am charged almost double for the protection fee when that was Best Buy 's mistake of not returning the 1st appliance so the debt fee was calculated for the over {$5000.00}. The lady on the phone said that the debt fee was returned but I do not see it. I'm tired of going back and forth with it. I refuse to pay such a high debt protection fee for an amount that shouldn't have been on there for more than a week, but was there for almost two months because of Best Buy 's mistake.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

Sagestream LLC They are asking for info about me that I am not comfortable giving them in order to receive a copy of my credit report. XXXX, XXXX, and XXXX don't make it so difficult.
Complaint sub-issue: Was not notified of investigation status or results

I contacted Equifax about some fraudulent inquiries on my report on   XXXX  , and was informed by the representative that they would investigate the inquiries. As of  XX/XX/XXXX , i have not received any correspondences and they continue to report these inquiries listed below : Campus  XXXX    XXXX     XX/XX/XXXX   XXXX -   XXXX    XX/XX/XXXX    XXXX     XXXX     XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX -   XXXX   Rate Genius-  XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Complaint sub-issue: Debt is not yours

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by PNC Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX  XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.
Complaint sub-issue: Received bad information about your loan

I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Overdrafts and overdraft fees

XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a potential fraud activity from accounts being opened in my name through Equifax and XX/XX/XXXX on XX/XX/2019 and XX/XX/2019, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain Equifax and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/2019 received a fraud activity alert from Equifax for 4 accounts -XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from XXXX  on 1 Account XXXX
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX 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. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was paid

I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.
Complaint sub-issue: Investigation took more than 30 days

On XXXX/XXXX/XXXX I filed complaint # XXXX with all necessary proof attached to that complaint. It reads as follows : In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXXl XXXX Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XXXX/XXXX/XXXX by CFPB complaint # XXXX that I questioned the accuracy of a few items on my credit reports. That request was written by me and sent by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated [ insert todays date ] is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter, thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately.