Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent a certified letter to XXXX and Equifax requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from XXXX  on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. XX/XX/XXXX I received a response from Equifax saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to Equifax on XX/XX/XXXX dispute there being a freeze request.
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 {$0.00}, {$170.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
Complaint sub-issue: Debt was result of identity theft

TCF National Bank allowed an account to be opened by an individual who stole my identity. TCF National Banks address is XXXX XXXX XXXX, XXXX, Michigan XXXX & their phone number is ( XXXX ) XXXX. TCF has sent the account to collections. I received no notifications about the fraudulent account being past due because the individual who stole my identity used an incorrect address to open the account. I attempted to notify TCF of this fraudulent account multiple times via phone & e-mail, dating back to XX/XX/2020. The employees Ive spoken to on the phone have provided no resolution. I have provided several documents via certified mail to prove I am the victim of identity theft & that I had no awareness of an account being opened in my name, but TCF refuses to acknowledge my claim & the provided documentation. Documentation includes a police report filed XX/XX/2020 & a report filed with the Federal Trade Commission on XX/XX/2020. TCF is still actively looking to collect on this fraudulent account & has done nothing to hold the individual responsible for stealing my identity accountable.
Complaint sub-issue: Their investigation did not fix an error on your report

Companies- XXXX/Equifax. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since JanuaryXX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy. 
15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/18, I opened an account with CITIBANK for Account Package Checking/Savings. This account had a opening promotion tied to it for {$400.00} after meeting certain qualifications. These qualification include depositing {$15000.00} within 30 days of account opening and maintaning that balance for 60 days. I deposited the {$15000.00} on XX/XX/2018 and have maintained that balance ever since, up to and including today, XX/XX/XXXX.  Citi says the bonus should be posted within 90 days of account opening and I have not yet received this bonus of {$400.00}. After contacting Citibank, they refuse to acknolwedge the promotion and I get transferred from one agent to another who has no idea what the promotion is.
Complaint sub-issue: Their investigation did not fix an error on your report

I have found XXXX accounts opened by my ex girlfriend co worker and I have filed a FTC report on her finally. But i do fear retribution from her and her friend so I am not pressing charges but this has been going in for 2 years and has caused me alot of grief. I tried to dispute this in the past but am coming forward to put this to a close
Complaint sub-issue: Reporting company used your report improperly

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX  # XXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - CBNA : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I purchased a computer from Conns for XXXX dollars I canceled the furniture & never received it Conns was also charging me for life insurance That I never agreed to when I went into the store to speak with the Manager as to why he did not update my account he told me to get out of his store when I called Corporate multiple times to have them rectify the situation I believe this company has fraudulent business practices Please help me settle this matter I never owed Conns XXXX That would of been the total if I would of not of canceled the furniture Thank You XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I received a form 1099-C from Discover Bank also Discover Card, Cancelling the debt I owed. The discharged amount became my personal income for the year XXXX and taxes were paid to the IRS per form attached. On XX/XX/XXXX I received a letter from Discover stating that I owe {$10000.00} ( Discover Card Account Ending XXXX - Same account reported on IRS Form 1099C and only account I have hold with Discover ). 

Discover is demanding full payment on my account, XXXX Account ending in XXXX ), for a debt that they cancelled, reported the IRS as being cancelled and I paid taxes. This is Tax Fraud and Consumer Fraud. I need help holding Discover and Discover Bank accountable for FRAUD. Is this happen to any person based on the amount, it will be considered a Felony. Over the years this has impacted me and my family as I was denied credit and other opportunities as Discover was reporting to the credit bureaus that I have been delinquent in paying my debt even though they issued a form 1099C for cancellation of debt. This company is committing fraud in MN, I wonder how many other people may be impacted.
Complaint sub-issue: Frequent or repeated calls

I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.
Complaint sub-issue: Information belongs to someone else

i checked my consumer reports and i the consumer seen that there was accounts on my report that i did not give consent to be open under my personal credit.
Complaint sub-issue: Debt was result of identity theft

I 've been a victim of identity theft. On or about  XX/XX/XXXX  I 've obtain a  XXXX  Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a Macy 's CC that I never open. The last time that I applied for a Macy 's CC was back in  XX/XX/XXXX  and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the Macy 's CC was open on  XX/XX/XXXX  and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But Macy 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. Macy 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
Complaint sub-issue: Account status incorrect

XXXX XXXX  is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Complaint sub-issue: Problem getting my free annual report

I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand this inaccurate personal information 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: Personal information incorrect

I've been contacting Equifax for over XXXX months trying to change my address. First I tried to do it online by downloading documents on but it wouldn't work. The website was not taking my documents. I've spoken with a customer service representative from Equifax at least XXXX times and I still haven't gotten anything resolved. After I couldn't download the documents on the website when I was speaking with the customer service representative on the phone. They sent me a link to click on to see if I can send it that way that didn't work. So I called Equifax and find out what I can do other than download the documents they told me to send in a copy of my social security card my driver 's license and a copy of a utility bill which I sent in XXXX months ago I've been calling trying to find out whether they received it. Or find out whether there's has been any update and I keep getting the runaround from them. I've been going through this process for over XXXX months now and I haven't gotten any results. The address that they have for me on file is not the correct address I have lived XXXX places since that address. I'm at my Wit 's end and I don't know what else to do I sent in my information. Which I checked with them and they saying hat they did not get it and there's no update. At the time that I did call for the update I asked them to send me out a credit report. Which I didn't get, they sent me a bunch of papers explaining some stuff that I didn't even ask for. And the only thing that they sent me as far as a credit report they didn't send anything as far as my personal information on a credit report all they sent me only a list of inquiries. The customer service is terrible and I don't know how to solve my problem they have my address down is something that it is not. And I haven't been able to change it. This is really frustrating. I don't know what to do I need advice on what I need to do!
Complaint sub-issue: Information belongs to someone else

XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.
Complaint sub-issue: Account information incorrect

XXXX and Equifax declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Complaint sub-issue: Public record information inaccurate

IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. 
also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy.

Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court h
aving jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, Equifax XXXX XXXX and XXXX third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. 
before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. 
IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.