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

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails  requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX $ bull city financial solutions XXXX $ cmre financial services XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I did not authorize these
Complaint sub-issue: Information belongs to someone else

I have spoken to representatives and supervisors and the calls disconnect with no help at all. I have mailed in disputes for the 4 collections on my credit report XXXX XXXX XXXX XXXX with Equifax and they keep saying they haven't received them and this is my second time doing a dispute in writing. The information they have on my report is not accurate and needs to be deleted. My next step is to go forward with a lawyer if need be to make sure my credit is accurate and make it known publicly that Equifax is a fraud company that keeps inaccurate information and provide no help to people like me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporter act XXXX  XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Complaint sub-issue: Inadequate help over the phone

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiry reflecting on my credit file. I was advised to contact the company and advised them to remove the inquiry ; however, when contacting the company they did not see the inquiry on their end nor did they have account information on me. When calling Equifax back the representative informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. Unauthorized hard inquiry is XXXX made on XXXX/XXXX/2016. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Complaint sub-issue: Company closed your account

Discover closed my credit card account which I had maintained in good standing for more than 30 years due to inactivity. The cfpb should stand on the side of consumers in this matter, since the entire world was effectively shutdown due to the COVID 19 pandemic in 2020. It is unconscionable that big business can use a computer default to close accounts and concurrently negatively impact credit scores. I am XXXX years old and like the majority of Americans, I followed CDC, federal and state guidelines to shelter in place for 2020. That Discover Card apparently continued their practice of closing accounts during the pandemic makes them the worst of business players. If nothing else Discover Card is the poster boy of bad business behavior during this most difficult time in world and American history. Over the years I most often used DC to shop at XXXX but in recent years XXXX is mostly closed, so my use of the credit card was limited to paying off accumulated debt and balance transfers. In my defense, Over the years I have paid off more than {$20000.00} in debt lo Discover Card and certainly they received interest on my debt. I rate them poor in business practice and consumer confidence.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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: Account status incorrect

XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.
Complaint sub-issue: Information is not mine

I have had a XXXX account on my credit report for about 7 yeas that I was an authorized user on. I requested that it be removed from my credit report as I had no responsibility for the account. XXXX agreed and said it would be removed. It was removed from all of my reports except Equifax. I have submitted several disputes with Equifax over this matter. After saying it is valid each and every time I have contacted XXXX and they state Equifax never submitted the dispute to them. I even have the paper from XXXX that says it should have been removed several years ago. I have submitted that paper with it as well and Equifax leaves it on there. I do not think that Equifax is following the laws regarding the dispute process and is in turn, hurting consumers. This is not the only account that they have done this with and I will be submitting additional complaints against Equifax.
Complaint sub-issue: Transaction was not authorized

So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.
Complaint sub-issue: Reporting company used your report improperly

Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Account information incorrect

I have contacted Equifax three times disputing inquiries to creditors who ran my credit reports with my authorization. The inquiries are not " permissible purpose. '' Inquiries or " preapproved offers. '' The reported inquiries are from creditors who ran my credit report without my authorization, and prior to lifting my security freeze. I have disputed the unauthorized inquiries multiple times by phone and online, and in writing requesting Equifax dispute the inquiries pursuant to the FCRA Section 604 which states Equifax must supply me with the credit application verifying my name, address, date of birth, social security number and signature verifying the disputed inquiries. Equifax simply states in the investigation results " we have received and viewed your dispute, please contact the creditor. This is intentionally, and not disputed and in violation of the FCRA Section 604 Proof of Verification by supplying the consumer with Proof ... '' Fair Credit Reporting Act. '' Received and reviewed is none compliance of FCRA Section.604.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019, I informed Equifax that a previously DELETED Account XXXX XXXX XXXX acct # XXXX, had been re-inserted onto my credit file and that I was not notified by them within the 5 days per FCRA. To date, the entry is still reporting on my file.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I applied for an Offer of credit with XXXX XXXX. XXXX XXXX ran a credit check on me with EQUIFAX. Equifax returned information stating that I was, '' DECEASED. '' As a consequence, I was Denied credit. 
I have made several attempts to having this incorrectly filed information fixed but Equifax continues to report me as, DECEASED. '' Please, I need assistance because Equifax will not report accurate information on my credit report and or File. I am Alive and Well and not Deceased as being reported by Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016
Complaint sub-issue: Their investigation did not fix an error on your report

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

Equifax- Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!
Complaint sub-issue: Debt was paid

I have been receiving bills from the XXXX XXXX XXXX  since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX  XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

WAS NOT MADE AWARE OF MY RIGHT TO OPTING OUT BY THE BUSINESS
Complaint sub-issue: Account terms

In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.
Complaint sub-issue: Problem with fees

When I pay over the minimum payment as told to by others, they seem to just keep that money like several others! This has been happening for years, and they charge me interest + interest! Macy 's and others* promises all these discounts but do n't even offer discounts for the perfumes and makeup I buy from them! Their products are cheaply made like from someone in XXXX or somewhere, that hates U.S. Then they turn around and sell it at an overpriced price and on top of that do all kinds of extra charges in interest and bill payments. I 'm not in accounting but when I overpay it drops my payments, and is supposed to pay off more cheap products than interest! I saw better things offered in XXXX than these places offer in America, online. I 'm so mad I finally had to say it again. Macy 's was very nice to me, but their accounting probably needs an IRS Audit. And again, for their products! Who made this junk and why are they selling it so high? At my yard sales no one wants it, they just judge me. And I ca n't return the unopened products because I bought them awhile ago.
Complaint sub-issue: Their investigation did not fix an error on your report

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, XXXX and Equifax ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

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 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 XXXXXX/XX/2022 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$910.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}