Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act these accounts below has violated my rights. 

- XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXAccount # - XXXX - XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX /Account XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: No notice of investigation status/result

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Frequent or repeated calls

call and call and call repeatedly and calling me at work
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. 

Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. 

Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, and Exquifax stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, XXXX, Equifax or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, XXXX, Equifax etc `` the person '' making the report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, has violated my rights. 
XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. 

The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! 

I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. 

I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? 

When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. 

When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. 

What a hassle and they still havent resolved the fraudulent activity on my account!
Complaint sub-issue: Their investigation did not fix an error on your report

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. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code XXXX681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Complaint sub-issue: Information belongs to someone else

This is my numerous 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;
Complaint sub-issue: Frequent or repeated calls

Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Complaint sub-issue: Debt was paid

They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to 2 credit bureaus- Equifax and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXXdate verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Complaint sub-issue: Information belongs to someone else

Someone got hold of my XXXX XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me
Complaint sub-issue: No notice of investigation status/result

You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 
Update XXXX as paid as agreed and Delete the Bankruptcy per court order
Complaint sub-issue: Debt is not yours

Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX  credit report.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}
Complaint sub-issue: Their investigation did not fix an error on your report

THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I received my credit card statement from period XX/XX/2020-XX/XX/2020, with charges from various retail stores that were charged on my credit card. The charges were from XXXX for {$840.00}, XXXX {$31.00}, XXXX # XXXX for three charges {$150.00}, {$37.00}, {$200.00}. The third charge was XXXX store for {$930.00}. 

At that same time I received text from my bank that there was a suspicious charge from XXXX  on XX/XX/2020 for {$640.00} which was removed by the fraud department after a urgent call from me. 

I called the fraud department and they notified me to go to my branch in XXXX XXXX, this was at the same time there was looting and the unrest going on in XXXX XXXX Area, which caused me to stay away from any retail stores and stay home for long periods of time due to Covid-19 outbreak due to high risk age group. 

After a few day I went to Bank of the West as per fraud department, filled out a dispute form and send it out to the Bank of The West fraud department. After five days I received a response that charges were in fact unauthorized and were removed. 

Furthermore, I checked my credit card and the charges were added back on my card. I called Bank of the West fraud department, the supervisor name XXXX, I asked her why the charges as back on my credit card. She said I was physically present when those charges were made and the dispute was not in my favor therefore the charges remain on the credit card. 

I was notified to file a police report on XX/XX/2020, but nothing has changed from the original decision from the bank. 

Currently, I continue to receive statements from Bank of the West with Fraudulent charges that we not mine. There is lack of communication from the bank when I tried to reach out to them. This has caused me a lot of distress, sleepless  nights and XXXX.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Complaint sub-issue: Problem with statement of dispute

There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt is not yours

In CU RECOVERY 's response to CFPB Complaint # XXXX, CU RECOVERY mentioned XXXX Employees XXXX placed two alleged accounts of mine in their office for collection. They were not supposed to collect my location information. 15 USC 1692a ( 7 ) defines The term location information means a consumers place of abode and his telephone number at such place, or his place of employment. The fact that they collected my name, telephone number and address is an infringement to my privacy, pursuant to 15 USC 1692 ( a ) that is a violation.