Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX2. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Complaint sub-issue: Information is not mine

I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX  numerous times that XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX. # XXXX is not mine. I am not married and i dont have any joint accounts. I have sent court papers to state so. My ex-wife keeps using my social security number without my permission. I am a victim of identity theft. How is it that this kind of behavior is allowed?
Complaint sub-issue: Debt is not yours

This complaint is in regards to Paid in Full ( PIF Inc. ), and XXXX XXXX XXXX XXXX XXXX . For unknowingly any legally putting a hard hit on my credit report, and inaccurately reporting something that I have absolutely no personal financial obligation for! This was clearly something I was signing as my job description called for, for a company that I was simply working for. The two mentioned above had absolutely no right to obtain my ss # and run my credit for any reason whatsoever. This is now on my personal credit report and being a personal debt, which is absolutely incorrect, and once again, they had no right whatsoever to do so in the first place! This has damage my credit and hindered my ability to obtain new financing. And also for the record, the contractor that these two represent, never finish the work completely and wanted payment in full! Who do that???? Unfortunately, work was never completed and payment was never made and now this is gone to litigation. Both parties have an attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX XXXXXXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : SXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, -XXXX XXXXXXXX account # XXXX Cancel Contract. Please provide the original contract or delete -XXXX XXXX XXXXXXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Complaint sub-issue: Information belongs to someone else

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Used obscene/profane/abusive language

XXXX XXXX called me being rude screaming at me and continual calling me after i told her to stop and XXXX XXXX the supervisor will not give me recorded call info so i can report the horrible and mean service no one wanted to help me after all I have made my payments on time and wanted to set another arrangement but I did have quistions to ask and that made XXXX mad all she wanted was my card info and did n't want to give help then again on XXXX she called me screaming her lungs out at me I had to hang up I refuse to be treated bad and so disrespected
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX/2018 I called the company to respond to a demand letter. 
There were many personal questions they were asking including information about my medical history and prescriptions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been a Citi XXXX client since XXXX. I hired XXXX XXXX XXXX to install the flooring in my house. After paying the full amount of credit card payment of {$2400.00}, at the same day I received an email with an increase of almost double prices. I was so upset to cancel the work and called the credit card company right away to stop the payment going through but the staff told me that it had to wait for the payment going through to be disputed. During the disputed process, payment credit back to my account shortly but one month later on XX/XX/XXXX REVERSED..I also filed a complaint on Nevada State  Contractors Board .The .investigation officer helped me to call the Citi credit card company told them thats the fraud money with people taking someone money without work run away. The Citi credit card company never returned back the money even I had been calling many many times and left the voicemail nothing returned to call .. That reason the case had been keeping delay by now still never resolved
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service XXXX provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from XXXX saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to XXXX and they keep saying the same thing. It has yet to be removed from my equifax report.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record

There are XXXX unknown collection posted on my credit report.
Complaint sub-issue: Debt was paid

XXXX store manager breached my contract and canceled the account I had within their computer and then refused to correct the mistake saying their computer would not allow the account to be reinstated. I went into XXXX to get two new phones and add them to my account. For some reason, the store manager ( by accident ) created an entirely new account ( XXXX was told by XXXX upon calling ) and canceled the current contract. I don't know exactly what happened because I obviously was not given access to their computer. Bottom line is they canceled the contract within the computer, my phone numbers eventually canceled out and that was when I realized something was wrong. XXXX breached the contract. I repeatedly tried to get the account reinstated and everything put back in place and XXXX simply said their system would not allow it after three months elapsed. Now they have reported the account to collections and put it on my credit report. I paid my current XXXX bill throughout the process.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

This complaint involves two debit card companies, those being Cash App and XXXX, respectively. The reason there are two companies is because, on the surface, it might appear that the host company, [ Cash App ], says that they transferred my funds to XXXX  Debit at my instructions, is being truthful, yet XXXX claims to not have received the funds, only a notification that such funds was forthcoming from Cash App. 

As shown in the attached Cash App Transaction Record, I transferred all funds in the Cash App Account in the amount of {$14000.00} to XXXX and Cash App then closed the account. 

Since that time, my {$14000.00} is missing and because Cash App was the host institution, they have the responsibility to insure that the funds were in fact deposited with XXXX as instructed by myself. They insist that they have no further responsibility in this issue because the attached document does in fact say that Cash App in fact cashed my account out in the amount stated above and forwarded/transferred to " XXXX ''. However, initially XXXX told me that it would take three days for the funds to become available, identifying the amount without prodding from myself. 

Three days later, the funds did not show on my XXXX Account. Several conversations were held with XXXX representatives regarding this matter with XXXX maintaining that it does not have the funds [ {$14000.00} ]. It is a strange situation because the record does APPEAR that Cash App did in fact, at my direction, transfer the mentioned funds. This evidentiary fact does not change Cash App 's responsibility to see to it, or help facilitate a customer 's receipt of funds demanded in that customer 's account. 

Further, because " XXXX '' was able to identify the amount transferred to XXXX, gives this writer to believe something is amiss between these two companies, and I should not have to prove, with files which are held by the would be fraudsters, which Debit Card Company is guilty of either neglect, or purposeful theft of my {$14000.00}. 

I believe that either way, from a legal perspective or from a decency perspectives, both companies must assist in finding funds now taken from me and has simply vanished. 

Lastly, both companies are declining to assist in the locating of my funds while I suffer because I don't have access to my own funds, which as one might expect, mostly would be earmarked for bills of varying kind. 

This is a substantial amount of money to permit any company to simply vanish my or anyone else 's funds. I have filed a dispute with " XXXX '' which has yet to be answered, and have spoken with agents of XXXX. No physical complaint have been filed with Cash App since the transaction page of my account with Cash App show that the funds were " Cashed out '' after all funds were transferred to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX  along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.