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

PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at XXXX, XXXX, EQUIFAX AND XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2021, I mailed a letter requesting a copy of my consumer report. It has been a month and I still haven't received the report.
Complaint sub-issue: Their investigation did not fix an error on your report

: I have recently been informed again that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$240.00}, {$240.00}, {$240.00}, {$350.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Complaint sub-issue: Other problem getting your report or credit score

Letter from XXXX XXXX of XX/XX/18 states, " We did not approve your request '' for a credit card. " Based on information from.. .Equifax . '' I'd send a copy of XXXX 's letter, but I don't know how to send a copy of this letter in an email, since it is a hard copy letter, not an emailed one. 

I tried to contact Equifax automatic phone request line, had difficulty navigating their machine, telephoned & spoke to a real person who said he himself couldn't send my credit report, tried online & almost received my copy but the Equifax system said it wasn't working at the moment, and I should try again some other day. 

I tried to request a copy of my credit report again through their phone request line, and was told there would be a charge since I'd already requested my file recently. ( The file they couldn't send me because things weren't working on their end. )
Complaint sub-issue: Account information incorrect

I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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
Complaint sub-issue: Account information incorrect

I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CFPB + Equifax, On my Equifax credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Equifax credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

thd ftc or fair debt violation XXXX is reporting the inaccuracy
Complaint sub-issue: Card opened as result of identity theft or fraud

My name is XXXX XXXX I bank with PNC Bank and on XX/XX/XXXX I went to PNC Bank Branch at XXXX in XXXX, Pa. at XXXX XXXX XXXX. XXXX, Pa XXXX, to make a withdraw out of my checking account, the bank teller who assisted me her name is XXXX XXXX. 
XX/XX/XXXX, I received a call from PNC credit card underwriting spoke to XXXX, He told me he has an application for me that I filled out for a credit card, I told XXXX No I have n't applied for a credit card, he told me that the application was filled out on XX/XX/XXXX. I told XXXX to please shut the card down immediately, he told me NO CREDIT REPORT WAS PULLED AND THAT HE WILL SHUT THE CREDIT CARD DOWN. XXXX SEND ME A CREDIT REPORT THAT PNC BANK DID PULL A CREDIT REPORT 2 X. 
XX/XX/XXXX, I spoke to XXXX XXXX she denied pulling an application under my name Illegally. I contacted her manager XXXX XXXX XXXX. He did ask me what happened I did tell him. 
I was referred to XXXX XXXX she 's with PNC Bank Executive Client Relation her tel # XXXX she keeps telling me these things take time. I also filed a Police report with XXXX XXXX Report # XXXX. I BELIEVE I WAS SINGLE OUT BECAUSE I 'M A SENIOR CITIZEN OVER XXXX YRS. PNC BANK CREDIT CARD UNDERWRITING TOLD ME THAT THE APPLICATION WAS OPENED ON XX/XX/XXXX BY XXXX XXXX SHE WAS GETTING CREDIT FOR THE APPLICATION SHE OPENED WITHOUT MY AUTHORIZATION. I FEAR XXXX XXXX SHE WOULD DO ME BODY HARM IF PNC BANK FIRE HER.
Complaint sub-issue: Account status incorrect

Last year, in XXXX, I contacted XXXX XXXX XXXX to close my XXXX XXXX XXXX account which has a {$500.00} limit. I received confirmation from XXXX XXXX  that my XXXXXXXX XXXX account was closed. However, the account is still showing open on my Equifax report. I filed a dispute with Equifax to let them know that my account was closed. However, my account is still showing opening.
Complaint sub-issue: Account information incorrect

There is an incorrect " Collection '' on my credit report from XXXX XXXX collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX  REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted XXXX on XX/XX/XXXX and EQUIFAX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told XXXX that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. XXXX refused to remove it. EQUIFAX also refused to remove it. 
XXXX XXXX stated 2 DIFFERENT AMOUNTS -- $ XXXX and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.
Complaint sub-issue: Confusing or missing disclosures

Citibank advertised cash rewards for opening new accounts. I deposited {$60000.00} dollars. According to the bank officer and paperwork I received I was to maintain such account balance for 60 days within 30 days of the completion of the requirements ( 90 days from the account opening ), I would receive {$700.00} cash bonus. Over 100 days has passed they have not deposited the cash bonus and they tell me now that I have to wait 90 days over the initial 60 days of account opening. I called Citibank corporate but they tell me this offer is by the specific branch and I need to complain to the bank. The bank managers XXXX and XXXX told me to file a complaint with the state or federal if I would like. The language in the brochure is not clear and deceptive. I will be happy to send all the documents for review. Please do not let this bank to deceive people. They must cease and desist this practice and upgrade their brochure to specifically note the exact date the bonus will be paid. Thank you.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I turned XXXX on XX/XX/2020. I should not have a credit profile. If XXXX, Equifax, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted XXXX, Equifax, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent XXXX, Equifax, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. XXXX, Equifax, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. XXXX, Equifax, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.
Complaint sub-issue: You never received your bill or did not know a payment was due

PNC bank took over BBVA They disabled online banking access ( bbva ) and said the login is transferred to PNCs website. But my credentials wont work there, I cant reset my password, and cant register for online banking. 

Ive called their 1888 number 3 times and waited on the phone for 30 minutes each time and it no one ever answers. 

I have no idea what my balance is or how to even make a payment now. This is really shady. 

They sent me my new credit card ( PNC ) but no statements.
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with rewards from credit card

I have a rewards balance of XXXX that I want to credit myaccount balance. They wont let me redeem at all. No online access so i called on 5 different occasions with the last being Mon. XXXX XXXX, 2020 and when I try to redeem it always says unavailable. Their branches are not open by appt. only. i have over 5 types of accounts which i am thinking of moving everyone.
Complaint sub-issue: Account status incorrect

Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Public record

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
Complaint sub-issue: Debt was result of identity theft

I received a debt collection bill in the mail XX/XX/XXXX from Enhanced Recovery Company for the amount of {$410.00} for XXXX XXXX XXXX XXXX XXXX, I reached out to the company and its for someone who used my social security number and my name but in XXXX XXXX Michigan. I live in Arizona and have never in my life even been to XXXX nor do I know anyone there nor did I give anyone permission to use my personal information. I also see another charge for XXXX on my credit report from the same company Enhanced Recovery Company. Both accounts show they were open in XXXX of XXXX. These do not belong to me and this is fraud.
Complaint sub-issue: Personal information incorrect

Ive sent multiple disputes to the credit bureaus in regards to my addresses being incorrect which have been ignored just like the letters that Ive sent to them from XXXX. The following addresses need to be removed because Ive already been a victim of identity theft & this doesnt need to happen again. As a result, I have multiple charge offs on my reports that do not belong to me
Complaint sub-issue: Their investigation did not fix an error on your report

In the summer of XX/XX/XXXX two collection accounts from XXXX XXXX  XXXX XXXX appeared on my credit report. One was for the amount of {$110.00} and the other for {$5.00}. 
1. I had never heard of this medical facility, let alone did I remember ever visiting there. I hadnt even received a billing statement from them or been contacted by them in any way. 
2. It seemed particularly odd that, if this information was correct, I would have been billed for two varying amounts. 

I disputed this information with XXXX and it was promptly removed from my credit report. On XX/XX/XXXX, I filed a dispute with Equifax to have it removed from that report. To my surprise, they denied the dispute on XX/XX/XXXX. In addition to the bizarre circumstances under which this collection appeared on my credit report in the first place, it is even more unbelievable that it could be found inaccurate by one credit bureau but not by another. 

If XXXX determined that this information should be removed from my credit report, Equifax should be required to do the same.
Complaint sub-issue: Didn't receive notice of right to dispute

ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$7300.00}
Complaint sub-issue: Information belongs to someone else

On or before XX/XX/2020, Equifax incorrectly assigned personal information and credit history information that belonged to a " XXXX XXXX ''. Mr. XXXX had numerous open credit accounts that were overdue and unpaid for, affecting my credit score. It should be noted that XXXX and XXXX did not report or associate this information with me. 
In XX/XX/2020, I had to purchase a vehicle and was denied by multiple lending agencies for having 'bad ' credit, which I was confused by ( never missed payments, kept credit utilization low ). Had to take a loan with a higher interest rate which has cost me additional money. 

After the first dispute, Equifax removed the wrongly associate name and addresses of " XXXX XXXX '' but kept one of his open credit accounts. I have attempted to dispute this claim and Equifa
x refuses to take it off my credit report, affecting any opportunity of getting another loan or credit card, while costing me thousands in interest.

I have contacted the credit lending agency, XXXX XXXX and they have told me that there has never been and is not any open accounts using my personal information.
Complaint sub-issue: Didn't receive enough information to verify debt

THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX reporting to credit on defaulting storage units. When units were closed and maintaining a XXXX  balance. Multiple offenses with multiple customers. The clerk XXXX will cuss you out XXXX you a XXXX XXXX XXXX XXXX and hang up on you before you can even finish what you are asking for. Threaten to sue you or file a restraining order if you ask for any information or contact them again.
Complaint sub-issue: Information belongs to someone else

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX ( XXXX  XXXX XXXX Equifax XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX Equifax XXXX XXXX {$710.00} XXXX XXXX {$8100.00}