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

Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX. XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
Complaint sub-issue: Information belongs to someone else

This is my 8th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Difficulty submitting a dispute or getting information about a dispute over the phone

This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
Complaint sub-issue: Information belongs to someone else

Two accounts reporting on my credit do not belong to me. 
The accounts are from XXXX XXXX XXXX XXXX  with the ACCOUNT # : XXXX reporting on XXXX. The second one is from DSNB MACYS with account # : XXXX reporting on XXXX and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload
Complaint sub-issue: Information belongs to someone else

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX disputes was submitted for unauthorized inquiries, inaccurate public records, and addresses. I called in multiple times and spoke with many reps who then would transfer me to the Office Of Consumer Affairs saying they are the only ones that can help me. I spoke with XXXX on XX/XX/XXXX and she requested that I submit proof of identity via docusign. I submitted the information along with my Identity theft report from FTC. I called back to make sure it was received could not reach XXXX again. Upon arguments with many reps I decided to reach out to the CEO and XXXX XXXX via email but no response. I received a call on XX/XX/XXXX from XXXX in the Executive Office of Disputes and explained to her the situation and she stated that she would contact XXXX in Office of Consumer Affairs and would contact me back. On XX/XX/XXXX I checked my credit report via TrustedID ( which has been deleted and I currrently have no access to ), XXXX XXXX, and XXXX  which all stated that 6 Derogatory Marks, 9 accounts, and 85 hard inquiries were removed. I then called in and spoke with another XXXX XXXX and advised that all of my information has been deleted from my file. He then stated to me he could not by law reinsert the accounts and that I would have to wait until the creditors report it which is usually 30 to 45 days. On this same day XXXX calls back and I advised her that my file had been deleted and she argued me that it hadnt. I advised her the rep had just admitted that it was deleted. Nothing was done. The very next day everything had been reinserted even items that were previously disputed and removed. I checked TrustedID to view the report from XX/XX/XXXX that was once there and it had been deleted. That is in violation for FCRA due to not being notified of reinsertion. From then on I have NOT been able to view my Equifax credit report. I have twice been sent docusigns to send in proof identity and they still will not update my credit file to reflect my correct address. I have also requested validation of disputes and have been refused. Something need to be done about the practices of this company. This company can not be trusted.
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing problem

On XX/XX/2018 I made a payment at PNC in their ON LINE banking system. The payment was not applied as it should have been. I have made the same payments in the past in the same matter without a problem. The funds for the payment were taken out of my checking account on XX/XX/XXXX. I am familiar with the ACH process and know that a batch file with my recorded payment was submitted by PNC, received by my financial institution ( checking account ) and settled/withdrawn on XX/XX/XXXX. I have made three calls to PNC. Their representatives have admitted their problem but will not apply the payment until they find out what is causing the issue internally. All the while they have been checking into this problem my payment has not been unapplied and the loan is accruing interest. 

I asked if PNC can apply a provisional credit of my loan payment while they investigate the issue. I was told no. Keep in mind my account with PNC is in good standing and I have never been late. Image if this payment would have caused an issue on my Credit Report. It would illustrate as a delinquent loan and cause my score to go down due to no fault of mine. 

Very concerned if they continue with this practice and as a result customer 's Credit Score is decreased when it is PNC 's fault. They must change this practice. If I were to apply for Credit and I could not get a great rate because of a error by PNC. This can cause financial harm. 

Your help in this matter is very much appreciated. 

Best Regards XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN : XXXX DOB : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, XXXX, and Equifax still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reported to Equifax credit reporting agency that the below listed inquiry was olaced on my report as unauthorized and considered fraud. Equifax has failed to investigate this matter for proper removal of this inquiry. I am a victim of identity theft and therefore, this item needs to be investigated appropriately. 

Inquiry : XXXX XXXX/ XXXX, onXX/XX/2019 is Unauthorized and considered Fraud
Complaint sub-issue: Account status incorrect

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: You never received your bill or did not know a payment was due

Hi, my name is XXXX XXXX and I have been fed up with the way how I have been treated and how Macys has been severely ruining my credit with the issues that is on their end and is their fault. Please see the attached documentation.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX 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 blocking 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, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 block 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: Their investigation did not fix an error on your report

I have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and lo and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$5100.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX  ( XXXX  ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. 

On XX/XX/XXXX, I discovered, while visiting the XXXX  web site, that XXXX   had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. 

Since XXXX  was NOT providing the travel services I purchased, in accordance my contract with XXXX  ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX  on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. 

I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. 

Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip  ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. 

I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. 

Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX  to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. 

Discover closed the dispute but FAILED TO NOTIFY XXXX  AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX  OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX  has NOT been notified of the closure of the dispute and has therefore NOT process my refund. 

Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX   that XXXX  accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX XXXX XXXX XXXX XXXX -XXXX XXXX, Ohio XXXX made 12 inquires on my credit with 12 different financial institutions. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

They also were suppose to pay my car off that I upgraded from XX/XX/XXXX XXXX XXXX. It says I have a balance of {$10000.00}. 

The large amount of inquires and the high balance affected my credit score a lot. I have attempted to contact the finance manager on the matter leaving voicemail stating these issues and NO reply back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not consent to these inquiries reporting on my consumer report, authorize nor benefit from any of the following inquiries, Block and remove them immediately