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

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Information belongs to someone else

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.
Complaint sub-issue: Old information reappears or never goes away

Wrong information is on my report and keeps appearing. Ive XXXX with XXXX for months and they understood that the information was incorrect. One of the things that are wrong on the report is the Hit and run accident I was involved in, it was not my fault XX/XX/2017. Also on the report XX/XX/2017 I was pulled over going to a funeral, and I didnt have my license which was Valid at the time. They late had me come show my drivers license and they threw the case out
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is claiming that I still owe {$100.00} from a visit to the emergency room that had an original balance of > {$800.00} inXX/XX/XXXX. According to their website, a payment that I made of {$77.00} onXX/XX/XXXXis still pending application against my outstanding balance. InXX/XX/XXXX, I was disputing the remaining balance with XXXX and requesting supporting documentation to show that my {$77.00} had been applied to the balance. Subsequently, XXXX referred my account over to National Recovery Agency of XXXX, PA.
I received a debt collection letter from them around XX/XX/XXXX. The letter contained no dates on it ( how does that comply with FDCPA requirements? ) and was an attempt to collect the {$100.00} balance that is not completely owed. Upon receipt, I submitted a payment of {$31.00} ( the amount I agree was still outstanding ) on XX/XX/XXXX along with a dispute letter challenging the total amount owed. In support of that dispute letter, I also included a screen shot ( dated XX/XX/XXXX ) of my account from the XXXX  website evidencing the pending payment of {$77.00}.
National Recovery subsequently called on XX/XX/XXXX attempting to collect this debt. During that call, they indicated my check was being returned and not accepted and that they would be looking into the dispute. I authorized my husband, XXXX XXXX to speak with regards to the account. In his discussion with a supervisor name XXXX, he requested that we call back on the following Wednesday and would have more information for us at that time. When we returned the call on XX/XX/XXXX, XXXX was not available and I was instructed that he did not have my information and that I needed to email it to him and XXXX I did so on the same date and have yet to receive a response.
On XX/XX/XXXX I finally received my return check. The letter from National Recovery is dated XX/XX/XXXX yet the post mark on the envelope is XX/XX/XXXX, nearly a month later. Included with my returned check is my original letter and supporting documentation. At this point, I fear that they will begin adversely impacting my credit, when I have been attempting to resolve the remaining balance since prior to referral to collections. National Recovery clearly does not appear to be following thru to support the amount they claim to be owed and by returning my evidence, they have shown a complete disregard for validating the debts they are collecting.
To make matters worse, they have refused to respond to our prior complaint because my husband 's name was also used. Although I 've previously authorized him on the account, they are claiming he is an unauthorized third party as a method of avoiding their responsibilities and being held accountable for their tactics.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and Equifax have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Complaint sub-issue: Personal information incorrect

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access XXXX XXXX or Equifax do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX  XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.
Complaint sub-issue: Debt was result of identity theft

Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.
Complaint sub-issue: Reporting company used your report improperly

FCRA 15USC 1681 section 604 a consumer reporting agency cant furnish my information without written permisson.

FCRA 15USC 1681s -2 ( a ) 1 ( a ) no information relating to a consumer shall be furnished to any consumer reporting agency and the agency reports or has a reasonable cause to believe that the information is inaccurate. 

Equifax has admitted to giving false information and inaccurate scores XX/XX/2022. 
i am also a victim of theft, and several data breaches i have attatched documentation.
Complaint sub-issue: Information belongs to someone else

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX XXXX {$77000.00} XXXX XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX   XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX   XXXX XXXX XXXX {$8700.00} XXXX XXXX {$460.00}
Complaint sub-issue: Problem accessing account

I opened a CASHBACK DEBIT debit/checking account with Discover on Thu, XX/XX/XXXX. Since then my account was locked 2 times within 24 hours for no apparent reason. I called their support team to try to resolve. The first person I was able to talk to confirmed that my account was locked but could not give me the reason why and said they would have to forward me to another group. I waited over two hours on hold before the call was disconnected. I finally got a hold of someone and they where able to unlock my account. I then went to my account and put in the details to connect my XXXX XXXX  Checking/Debit account so I could transfer money out of my discover account. ( I had deposited a check when I opened the account ). As soon as I did this my account got locked once again. I spent the next two days trying to resolve this issue and wasted 10 hours in total waiting on hold. I would get to 2 to 3 hours on hold before the call dropped. On Monday, XX/XX/XXXX, I was finally able to get a hold of someone and they where able to unlock my account and did not need to forward me to another group. I asked them to stay on the line while i tried to add my XXXX XXXX account. As soon as I did that the account locked again. They unlocked it again and again it locked after I put in my XXXX XXXX details. They then figured out that Discover does not accept XXXX XXXX as an account to transfer money to. Instead of having a message pop up telling me that, the system is designed to lock me out and require me to waste days of time on hold. This is a serious design flaw and on top of that the wait times to get it fixed are unacceptably long. Once I got my account open and my check deposited successfully, I initiated a transfer to my XXXX XXXX XXXXXXXX checking account. Today XX/XX/XXXX I got a message that my account has been locked due to suspected fraudulent activity. Back on the calls I was able to beg someone to let me talk to their supervisor instead of putting me back in the 3+ hour long queue. The manager was able to get me on a special list where the correct team would call me directly within 2 to 3 business days. This is a totally unacceptable length of time to get your account unlocked. My check is now frozen in transit and will not hit my XXXX XXXX XXXX account until this is resolved. I'm at my wits end and don't know how many more hours I will have to waste trying to get my money out.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am making this complaint not a third party company This is a legitimate complaint. I have accounts on my credit that do not belong to me that i did not authorize or sign a contract for. ive asked the credit reporting agencies to remove these accounts but no dice. thats why i am formally making this complaint before i hire an attorney and sue them. to give them one more chance to remove these accounts.
Complaint sub-issue: Debt was result of identity theft

Recently there was a {$3000.00} medical debt added to my Equifax Report. I have no idea what this is and I believe it is a result of identity theft. I have been having these issue for some years now. I dont not owe XXXX Hospital/XXXX XXXX {$3000.00} collection as I dont not or have not attended there. I have disputed this with them as well and it's being investigated. They have no record of my authorization, medical records, cards etc just a name no Identification etc. XXXX  has already investigated and determined that it did not in fact belong to me and has had it removed from my report. This has affected.my Equifax Report substantially in a negative way. Please have this item removed from my report as soon as possible as it has hindered me from being able to obtain credit for a new car purchase. I have Reached out to Equifax several times with no regard.
Complaint sub-issue: Debt is not yours

Attention XXXX and if possible XXXX and XXXX  Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. 

Please Correct
Complaint sub-issue: Debt is not yours

COMPLAINT ID XXXX previously submitted details
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a validation request to IL XXXX XXXX XXXX on XX/XX/2020 and never received a response. The original letter from IL XXXX XXXX XXXX letter states that the creditor is another debt collector named The Bureaus. Since the account was sold, The Bureaus should not be trying to collect from me, as well as should be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, I XXXX XXXX XXXX the consumer, notified XXXX, EQUIFAX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, EQUIFAX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Privacy issues

I filed a previous complaint about this company. One of the issues was that when the website was not working, over and over again it would give me an option to log in only by having a-mail or text sent, but then it would say that the code had been sent. However, I had not received it ; and so this bank/credit card company was apparently sending a way to log in to my account to someone else. 
The company tesponded to the complaint but made no attempt to fix the issue. If I select the option to log in by receiving a code, the code is apparently still being sent to someone else. 
On XX/XX/2019, the bank/credit card services refused to accept my call with a message that it would not accept calls from my phone number. The recording went on to state that I must type in the number which it had called. I was not called, and so this appears to be an even worse/more flagrant deliberate sending of my account information by U.S. Bank to an unknown third party. 
On XX/XX/XXXX, I called two numbers, XXXX and XXXX. I called the numbers because there was an XXXX charge and an XXXX refund on my account from somewhere in XXXX XXXX, Nevada. I was concerned about whether someone was trying to see if the card number was valid ; and so even though the amount showed a refund for the same amount as a charge pending I wanted to ask someone at the credit card company if this was anything to be concerned about. 
But now I am really concerned because the company would not allow me to talk to anyone, and it apparently is calling someone else unauthorized about my account. 
XXXX never would have selected this financial services provider for its credit cards if it had known that the company would place it's co-op members ' information at such risk! 
Please help!
Complaint sub-issue: Information belongs to someone else

So Ive been cleaning up my credit reports and I happened to notice this tradeline from BrigitXXXX XXXX XXXX there with a Closed, Paid status with 3 late payments reporting on my credit reportsthe problem is is that I NEVER had an installment loan with this company..I contacted them and they said that they deleted the account and any information pertaining to this fraudulent account, but here it is months later and its still on there for some reason. So I contacted them again and they say they have no information in their system involving an account with my credentials reporting to the credit reporting agencies, BUT THEY DO!!!! As you can see in the screen shot provided. It is reporting on my reports which is hindering my financial freedom and it needs to be rectified IMMEDIATELY.!!! Remove this fraudulent trade line from all 3 credit reports, ( XXXX, XXXX, XXXX ) or I will be forced to proceed with my legal representations advice of graying legal action against you all. Litigation will commence if this isnt rectified immediately.