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

The problem is the Equifax has once again put items back on my report that has been disputed with documentation and police report sent for ID theft and fraud report sent as well that were removed but put back on by Equifax without notice by a letter from any Equifax representative, nor a call or text which is illegal to do. I've already disputed all of the items provided the required documents to have them removed but the items below are back on. I need your help in having equifax correct my file to ensure the information is reflected as 100 percent accurat. I thank you in advance. 

*Remove Address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX *Add personal statement to Call XXXX for credit apps *Remove Following Inquiries : XXXX XXXX. Date : XX/XX/XXXX. XXXX XXXX : Date : XX/XX/XXXX *Remove Collections : XXXX XXXX {$700.00} -Medical. Date Opened XX/XX/XXXX. It was disputed and removed but they put back on without notice. 
*XXXX XXXX  : {$68.00} Date Opened XXXX Not Mine- XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Date Opened : XX/XX/XXXX. It was disputed and removed but they put back *Remove Following Accounts. XXXX XXXX XXXX XXXX XXXX same Account Number XXXX : one is for {$29000.00} and other is for {$60000.00}. It was disputed and removed but they put back. I dont have loans directly with the XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I've submitted a dispute in XXXX to Equifax. 
Certified Mail states they recvd on XX/XX/2020. USPS tracking number. 
I recieved a letter from Equifax dated XX/XX/2020 saying they can't locate my file. STALL TATIC. THEY HAVE ALL MY INFORMATION. They refused to investigate the results on XX/XX/2020 dispute. Instead said the dispute was ReAged to XX/XX/2030. That is Violation of my FCRA rights. And against the law. I asked for 5 managers, no one to transfer to. Asked for corporate. They abandoned the call.
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Complaint sub-issue: Other problem

I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!
Complaint sub-issue: Confusing or misleading advertising about the credit card

I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Complaint sub-issue: Information belongs to someone else

I noticed multiple accounts on my credit report I do not recognize
Complaint sub-issue: Card was charged for something you did not purchase with the card

Over the past year, I had to change my Citi Prestige credit card number six times due to fraudulent charges, which keep appearing even after changing my physical card number. Every single fraudulent charge is listed as having made using a " Digital Account Number, '' so my guess is that someone somehow was able to my Citi Prestige card to his/her XXXX XXXX or something, and Citi is not revoking virtual credit cards that are linked to my account. For example, I myself have my Citi Prestige card on my XXXX XXXX. Whenever I request a new credit card number, Citi Prestige card on XXXX XXXX  automatically updates to the new card number without any sort of verification. Hence, if a fraudster already has my Citi Prestige card on their XXXX  XXXX, what is to prevent that fraudster from continuing to use my Citi Prestige card even after I get a new physical card number? 

Here are the details on the trouble I have been having over the last year. On XX/XX/XXXX, there was a XXXX charge for {$8.00}, which was made using " Digital Account Number '' ending in XXXX. I promptly requested a new card number. Then on XXXX XXXX, XXXX, I saw a XXXX charge for {$15.00}, again using Digital Account Number ending in XXXX. On XX/XX/XXXX, I saw another XXXX charge for {$8.00}, again using Digital Account Number ending in XXXX. I received a new card number again. Yet, on XX/XX/XXXX, I received another XXXX charge for {$8.00}, which was made using Digital Account Number ending in XXXX. I spoke with Citi and I was told the digital account number was taken care of. Since then I have not seen any fraudulent XXXX charges. 

However, on XX/XX/XXXX, I got a Citi alert for " A {$0.00} international transaction was made at XXXX XXXX on card ending in XXXX. '' That charge never posted. But then the next day on XX/XX/XXXX, a {$20.00} charge was made by " VIU PH '' in XXXX XXXX, using Digital Account Number XXXX. I immediately turned off the Citi Prestige card using Citi app XXXX. Even after I disabled the card, four more {$20.00} charges by XXXX XXXX  were made on the card. I reported the card lost or stolen, and have since received a new card.
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 {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
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/XXXXand 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. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

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

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit card auto-pay feature on the Fidelity cc auto-pay website had a major bug in it which prevented the user 's auto-pay form from submitting properly in XXXX XXXX. I am a computer technician and this most certainly was a bug which I have screenshots of. Resulting, I established an auto-pay numerous times but repeatedly I had the same problem with the auto-pay not drawing from my account ( I filled out the form and hit submit, but auto-pay would not work after numerous attempts ). I attempted to resolve this issue several times with customer support and was largely ignored. Additionally, this organization can not seem to get my physical address correct in spite of numerous attempts to correct this on the phone, and resulting I have not received the vast majority of their mail. Also, XXXX XXXX XXXX already admitted fault and refunded me the late fees, but refused to contact the credit reporting agencies to denote this mistake. Lastly, I was expressly instructed by an XXXX XXXX XXXX representative to disregard mail coming from credit services, so even if I did receive a letter I was expressly instructed to ignore it. 

They claim that it's my responsibility to make payments on a card, but since I am a ) not able to set up auto-pay in reliable fashion and b ) being handled negligently by phone support who can not seem to properly record my physical address and c ) since I made a good faith effort to procure payment, I am forced to file complaint here as my numerous verbal and written complaints have been completely disregarded by XXXX XXXX XXXX. 

I have never missed a payment in my life, nor would I allow for my perfect financial reputation to be tarnished by such a small {$30.00} payment.
Complaint sub-issue: Received bad information about your loan

Public Service Loan Forgiveness issue similar but different as shown on 60 minutes tonight.
Complaint sub-issue: Information belongs to someone else

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.
Complaint sub-issue: Other problem getting your report or credit score

XXXX  and XXXX  have a record of my existence. However, Equifax claims that they do not. I have a credit card and car loan through XXXX XXXX, yet Equifax says I do not exist. I have sent in copies of my SS Card and driver 's license via mail and fax and they have no record of ever receiving these. Most recently I faxed records on XX/XX/20. 

On XX/XX/20 XXXX XXXX  reported that they only send information to XXXX. If XXXX XXXX  could send my information to Equifax, this would presumably solve the problem. 

Thank you!
Complaint sub-issue: Debt is not yours

On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my Citi bank credit card. The have been repeatedly continued. I attended to Citi Bank branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Complaint sub-issue: Personal information incorrect

My current and perminant address is : XXXX XXXX XXXX XXXX XXXX Nevada XXXX Please correct
Complaint sub-issue: Problem during payment process

I switched bank, so on XX/XX/XXXX. I logged into my Citi Advantage Credit Card Account to updated my new bank information for Auto Pay ( as I always do ) and my new email address. The Auto Pay didn't go through and I have no recollection my account was two month past due until Citi representative called me on XX/XX/XXXX. Since my account was set up with paperless statement and only to receive email notifications. When I asked why was I not notify by email. The agent claimed I had a wrong email address in my profile. I can vouch and confirm that's a total false answer! When I check into my email. I found promotional emails from Citi Advantage in both month XX/XX/XXXX and XX/XX/XXXX. All emails are still on my rmail server and account. As Citi being a such big and reputable company. WHY WAS I NOT NOTIFY BY EMAIL, PHONE or MAIL SOONER? I could have saved two late fees {$39.00} + {$27.00}. Most importantly I am in the middle of loan processing for purchase a new house, so credit score is extremely crucial and sensitive at this point. I have inform my loan broker about this issue and he believes it's going to make an impact on my credit score and affect my interest rate! I am absolutely dissatisfied, disturbed and disappointed with Citi service and performance. Even know Citi representative waives one of incurring late fee and offers me a one time XXXX mileage points. I have to learn to accepted that my credit score already being damage and not reversible! I'll like to pursue and file a proper complaint about Citi AA Advantage Platinum Credit Card of how they handle their business relationships with their client.
Complaint sub-issue: Personal information incorrect

I have one address all my life and that address is XXXX XXXX  XXXX XXXX XXXX Florida zip code XXXX if their is any other address associated with my name it is false and needs to be removed from my credit report I believe this to be fraudulent information that is hurting my credit score
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2022 I sent dispute letters to XXXX, XXXX, and Equifax. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.
Complaint sub-issue: Problem with customer service

My Student loan is with Nelnet ... ..I have called Them 6 times since XX/XX/XXXX and have asked them to send a billing statement so I could pay them ... .Since the Federal Govt is dropping them as if XXXX ... they have decided not to co-operate with me and others ... and as a result I now have late fees etc, since I am 3 months behind on payments ... This Company I have heard is being sued for this reason, but I am not the one who started it ... 


I have also tried to activate a forbearance but I doubt they even care ... 
I cant pay them if they refuse to send a statement!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed a complaint on XX/XX/2021 to have equafax remove a fraud alert that I did not request off my credit report. Since I have filled my complaint they have now placed another fraud alert on my credit report and stated they have forwarded it to XXXX, and XXXX. Ii did not ask for this and want it removed and for them to leave me alone. I WANT THE FRAUD ALERT REMOVED ASAP THIS IS RIUENING MY LIFE AND I CAN NOT GET CREDIT BECAUSE OF THIS
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I sent a letter to Equifax asking them send me documents that the company uses to verified accounts listed on my credit report per the Fair Credit Act, 15 U.S.C. 1681g. In response to my letter, I was sent a letter on XX/XX/2019 stating that my account was not found and to send verification such an ID SS card or a bill. This letter was an attempt to stop me for receiving and documents that I was entitled to, due to the fact that my credit account was updated the month prior for my name and address and my ID with my SS Card was included. I called the company on XX/XX/XXXX or XX/XX/XXXX after receiving the letter. My account was verified at the beginning of the call. Next I gave the representative the reference number that was given to me by the company verifying that the company had updated my account on XX/XX/2019, with this previous dispute I sent along with a photo ID an SS Card. At this point I have verified that my account x2. I was told after verifying my account that I will have to send my identification again. I spoke to the manager that comfirmed for the 3rd time that they do have my account, a copy of my ID and SS card and still need this information to find my account. I stated to the rep that you have my indentification on file, in which he agreed that that my identification was on file but stated I still needed to send this information an that it is policy for the company. I requested that in writing and was told there is nothing in writing. After the conversation and as of today I did not receive a report status, documentations verifyiing my account, nor the policy stating I had to send my identification after my account was verified. It has been well over 60 days.
Complaint sub-issue: Information belongs to someone else

This is my 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 an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Information is missing that should be on the report

My most recent loan does show on there platform. it is being report by the other XXXX XXXX credit bureau. I have tried to contact and followed information to this company.
Complaint sub-issue: Account information incorrect

I paid off my student loans in 2005. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim 17 years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Complaint sub-issue: Their investigation did not fix an error on your report

I have no knowledge of the XXXX XXXX XXXX account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.
Complaint sub-issue: Debt was result of identity theft

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Complaint sub-issue: Account information incorrect

On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.