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

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX # XXXX. 
There is a bogus SS number on my XXXX report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Problem with personal statement of dispute

My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Was not notified of investigation status or results

Since XXXX I have disputed accounts with XXXX, Equifax and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Complaint sub-issue: Account status incorrect

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Equifax or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of the XXXX report # XXXX is attached below to show proof
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX I was sent a letter and a civil citation stating I owed {$6100.00}. The petition said I owed XXXX and was turned over to XXXX XXXX XXXX XXXX. Rausch Sturm LLP represents XXXX. 
I wrote them a letter XXXX XXXX, XXXX letting them know this wasn't my account. I didn't hear anything until XX/XX/XXXX stating in a letter that they take these matters seriously and is under review. I responded again on XXXX XXXX and XXXXXXXX XXXX.Since that time I '' ve received notices and now a judgement against my mortgage. I have responded to each notice in writing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX. I've even written a letter to XXXX XXXX Court House disputing this charge, XX/XX/XXXX. I also filed a Motion to Set Aside Default Judgement and Notice of Hearing on XXXX XXXX, XXXX. 
I've made multiple calls to Rausch Sturm collection agency and spoke to several employees on XX/XX/XXXX, XX/XX/XXXX nd XX/XX/XXXX trying to get this taken off my mortgage as a lien against my home. It has caused hardship since I could not refinance and get a lower mortgage payment and I am out the appraisal cost. My employer runs back ground checks periodically and this judgement agaisnt me has also caused a hardship on my job and a fine against my department. One of the reps at Rausch Sturm said I needed to file an affidavit which I did on XXXX, XXXX. I received another call from them on XX/XX/XXXX stating there hasn't been any movement on this case and they are mailing me another affidavit to file again. This has been going on for almost XXXX years. 
I need to file against XXXX XXXX, Raush Sturm and XXXX as I have mailed many letters and called numerous times disputing this account to no avail.
Complaint sub-issue: Information belongs to someone else

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase of XXXX XXXX  mouses on XXXX  on XX/XX/XXXX but I never got them. I contacted the merchant a month after the purchase date but the merchant said they can do nothing because it has been over 30 days and ask me to file a claim with my credit card company. And I did that on XX/XX/XXXX. However the merchant used the XXXX  tracking information of another order which was placed on XX/XX/XXXX on my account to prove that the order was delivered. Citi just didn't look into that and denied my dispute. And I am not able to file the claim again. I am so upset about how the merchant and citi bank treat their customer in such unfair and careless manner
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Debt was paid

Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I got my card locked from DirectExpress and its been 3 days straight Ive been on the phone up to 5 hours at a time and no answer havent been able to get a hold of anyone I havent been able to pay my rent or purchase any food
Complaint sub-issue: Information belongs to someone else

Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I AM A VICTIM OF IDENTITY THEFT, THERE IS MANY THINGS WORNG ON MY CREDIT REPORT. DO NOT USE MY COPY OF ID AND SS CARD AGINST ME, I AM ADDING IT TO MY CLAIM FOR PROOF IDENTITY PER YOUR MAIL REQUEST. 

To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PLEASE REMOVE THESE NAME FROM MY CREDIT REPORT. PLEASE REMOVE THESE DIFFERENT VARIATIONS OF MY SOCIAL SECURITY NUMBER, IVE ATTACHED A CPY OD SS CARD FOR VERIFICATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, Great Lakes posted to my XXXX  report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? Fix this immediately.
Complaint sub-issue: Debt is not yours

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$290.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. 

On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. 

As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. 

I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.
Complaint sub-issue: Account status incorrect

COMPANY : XXXX, XXXX XXXX, and Equifax 1. Bankruptcy deleted from my XXXX  report as being not verified ( satisfied with that outcome ). XXXX XXXX and Equifax refuse to delete and still write me back as verified! and still reports verified after several letters since XX/XX/XXXX sent to them by me from ( from XXXX XXXX and Bankruptcy court ) not verifying the information.

2. XXXX reports : These accounts on several reports now and years ago as closed, discharged in a bankruptcy, open again, to closed again making my score drop significantly low! 
A. XXXX XXXX XXXX : late payment remarks ( I do not have this account so why is late payments being reported ), under a bankruptcy ( says verified but I have written and sent letters from third party agencies and bankruptcy court saying they do not share this information )!, XXXX  deleted the Bankruptcy! Equifax continues to report this account as having a balance, using 49 % of my account limit which I do not have, charge off ( I do not have any charge offs ), an a open account ( big error ), all inaccurate, late payment remarks shouldn't be, Equifax have closed, reopened, and closed this account, false remarks on many reports before and now! causing a drastic drop in my scores! XXXX XXXX is reporting Chapter XXXX ( not verified ) the latest was XX/XX/XXXX. 


B. XXXXXXXX XXXX XXXX credit card ( XXXX ONLY ) I stress XXXX because an investigation was done on my open XXXX  XXXX account of XXXX in error by the bureua ( Equifax )!!! 
Equifax has reported this account several ways from XXXX as in a bankruptcy ( not verified ), and closed by consumer which is it? Please delete! XXXX  reports its in a bankruptcy ( a bankruptcy that they couldn't verify so it was deleted from there reports )! and so does XXXX XXXX! 


C. XXXX XXXX : Reports as closed on my XXXX  report ... Equifax : shows as a open account on my Equifax report : I do not have an open account with XXXX XXXX! It was first reported as verified in a bankruptcy in previous reports which is it??. XXXX XXXX reports it as in a Chapter XXXX bankruptcy ( not verified ) I sent documentation to them as well! 

D. XXXX XXXX Auto Finance : Credit bureaus have reported previously discharged in a bankruptcy ( unverified ), and now this account mysteriously reporting open on my Equifax and XXXX  reports..I do not have this open account!!!!!! ( Not accurate should be deleted ) its reading I am 30 days past due on this account, seriously deliquency60 days past due or more, verified by furnisher as an open account! ( inaccurate )!!!!!. These remarks and reports are wrong should be deleted! and my scores restored. I have dropped over 20-40 points with this wrong information back and forth on my reports, opening accounts that's closed, reopening them again, only to later give remarks as charge off, bankruptcy or whatever comes to their minds at the time!! If the bankruptcy can't be verified delete it and any said accounts associated with them!!

Thank you for any assistance
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not investigate the compliance issue stated in my letters. I was not verifying or validating any accounts. My letters demanded deletions due to your agency reporting accounts that would be result of being authorized or approved from a credit card based on The Congress ' definition of a credit card. Equifax also did not rebut my sworn and notarized affidavit that was mailed and received on XX/XX/2021. Affidavits are to be either rebutted with an affidavit or they are confirmed as judgement, therefore, my demands are to be met on the letter. You are also out of compliance since XXXX met my demands. All consumer reporting agencies are to have the same information if the accounts are the same.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I notified XXXX, Equifax, and XXXX about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX ACCOUNT # XXXX