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

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents
Complaint sub-issue: Debt is not mine

I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction
Complaint sub-issue: Their investigation did not fix an error on your report

Intent to file lawsuit, no response for Validation documentation. 



XXXX - XXXX XXXX XXXX XXXX  XXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 


Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Information belongs to someone else

In XXXXXXXX XXXX XXXX, someone hit my credit report with 4 hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with Discover Bank. I tried to resolve the issue with Discover. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to Discover and they are currently doing an investigation on the account.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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 are 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 Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem using a debit or ATM card

My problems started when my husband died in 2010. 
Multiple XXXX XXXXXXXX XXXX cards came to me. Despite paying them off and ending them, the institution wanted to send me more. 
After that, I had a XXXX advisor with contraindications involving my accounts. 
I had a life insurance policy cancelled due to many people finding out my info. It was also after I broke up with a relationship. Much of my data got out. XXXX was a large part. As well as dating sites. 
Then my XXXX accounts were found covered up by a translucent page of beneficiaries not mine. I then switched to PNC. Where I havent be able to have any control over my cards or accounts. Im lacking support through the entire affair. 
I had many suitors that came up online which was irregular. Thats mostly it but I also had security systems involved that had someone gaining access, and into my home. I actually have a letter into my fiduciary advisor and their fraud team. I havent heard back. I also lost my family, friends, coworkers, job, neighbors as well. I dont know what happened. Any help is appreciated. 
XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I was charged with opening and non payment of an account by Discover bank. They did an investigation of the account. Said it was mine and I revived goods and services with their card, They also said it would be reported to the IRS. A very disgruntled form letter. 
They did. But they put a account number on it which I have denied in good faith that is not mine. Account # XXXX. 
Charges have been filed with the Mississippi Attorneys Office against the person who used all of the accounts you have so far invested on my behalf. Thank You XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX, of XXXX continues to harass our company over a disputed invoice that was settled years ago with a shipping company called XXXX. 

Although he was notified that the account was paid off, he ignores and constantly emails and calls to demand payment and proofs when the the burden of proof is on him or XXXX   or whomever hired him ( if he was even hired ). It is not clear if XXXX is double dipping on purpose as we no longer wish to do business with them but its on the collector to sort it out and stop the maddening practice. 

XXXX XXXX XXXX is aggressive, dismissive and abusive and should be reprimanded for his outrageous tactics and business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : 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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA 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 XXXXXXXX : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus 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 each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is 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: Debt was paid

I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.
Complaint sub-issue: Company closed your account

Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.
Complaint sub-issue: Didn't receive services that were advertised

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties. THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all 3 credit reports that are reporting to my file and putting me in a financial hardship
Complaint sub-issue: Can't close your account

PNC refuses to allow me to close inactive accounts with them.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent equifax letters regarding unauthorized inquiries that are reporting on my credit report USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, these companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification within 15 days. 

Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry. they hasn't responded thus far
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}
Complaint sub-issue: Debt is not yours

This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Complaint sub-issue: Other problem getting your report or credit score

Ive made over 30 disputes since I was targeted a victim of identity theft. All of which have returned as updated and not taking any action against. I have sent and faxed over reports from the FTC and Police Department to EQuifax regarding fraudulently established accounts. 

However that is a separate complaint that I am awaiting feedback. 

This complaint is because I am unable to access my credit report. 

When I go to navigate within EQuifax it does not populate anything regarding my credit report. 

The last update on my credit score was XX/XX/2021 In compliance to every consumer protection law and by those governed by the FCRA everything on my credit report must show verifiable accurate and truthful. 

This is in violation of that not to mention accounts and inquiries that were fraudulently establish still being left on my report. 

I have taken screenshots and uploaded them so that it will be proof that they have blocked my credit report for for promotional reasons as stated. 

Ive made several phone calls faxed over several documentations since my mobility issue and recent XXXX XXXX. 

Customer service has mopped me has hung up on me I have experience very unprofessional feedback from those even in the fraud department.
Complaint sub-issue: Information belongs to someone else

My personal information was stolen and the Equifax Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's Equifax XXXX and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Complaint sub-issue: Didn't receive advertised or promotional terms

In the beginning of XXXX I got an offer to apply for an Exxon Mobil Smart card and receive a savings of {$0.00} off per gallon of gas every time I fill up for the first 2 months, as long as I pay with the card linked through the Exxon app. I received the card on XX/XX/21 and linked it to my app. I then filled my tank using the card linked through the app as payment. The price of gas at the pump was {$3.00}. Using this payment method my cost per gallon was {$3.00} This was a savings of only {$0.00} and not the advertised savings of {$0.00} per gallon. I have emailed the company about this and gotten no response. I am linking a screenshot of this offer which can be found at XXXX XXXX XXXX