Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

EQUIFAX employees often live in other countries who don't even speak clear English. And, I XXXX XXXX was told to do an online dispute by one of them.I called twice and was told the same thing by a non-us customer service rep, whom did't speak clear English. So I filed an online dispute, only to discover when I answered all the security questions properly, I got an error message, which is attached. It is EQUIFAX fiduciary duty to not lead a consumer astray. Also, per XXXX  vs FTC no credit bureau can place the below financial and personal information within my credit report. 

XXXX XXXX v FTC United States Court of Appeals FOR THE DISTRICT OF COLUMBIA   CIRCUIT Argued XX/XX/2002 Decided XX/XX/2002 No. XXXX XXXX XXXX XXXX, Appellant v. 
Federal Trade Commission, et al., Appellees Appeal from the United States District Court for the District of Columbia ( No. XXXX ) 6. The regulation provides the following examples of PIFI : ( A ) Information a consumer provides to you on an applica- tion to obtain a loan, credit card, or other financial product or service ; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collect- ing on, or servicing, a credit account ; ( F ) Any information you collect through an Internet " cookie '' ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report Penalties and Liabilities, Sections 616, 617, and 619 ( 15 U.S.C. 1681n, 1681o, 1681q ) Credit unions may be liable for willful noncompliance or negligent I was  attempting to dispute the following account : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but Equifax and XXXX XXXX have not.
Complaint sub-issue: Frequent or repeated calls

Company calls my number several times every day, always from a different number. They demand personal information such as home address, social security ( last 4 digits ), birth dates without identifying who they are or why they are calling. Even after repeated requests that they stop calling and harrassing, they continue. 

In addition, I set up a payment plan to pay the bill in question. Immediately after making the first payment, the phone calls intensified in frequency. When I tried to make the next bill payment, my online payment was rejected. When I called to find out why, they claimed that I had the wrong creditor and gave me a new creditor 's name, claiming that they name of the company I owed the money to was the name of a doctor. 

I requested documentation of the debt under the name of a new creditor, and the manager stated that he did not have to send that to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reported to Equifax and XXXX  that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted Equifax and XXXX  notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked Equifax to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that Equifax remove the unauthorized inquiries from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Trouble with how payments are being handled

My student loans are currently covered under the CARES Act forbearance. In XX/XX/XXXX, I submitted a request to change my billing due date for my student loans to manage my payments once they resume in XXXX. For some reason, PHEAA has treated this change in due date request as a recertification. I received a confirmation from PHEAA that I recertified my income-driven repayment plan. The only problem is that I never requested to recertify, nor did I submit any proof of income. Moreover, PHEAA said my next payment under a new IDR plan was due in XXXX -- while the payment suspension is still in effect! 

I am not due to recertify until XXXX. I want to ensure that my payment suspension remains in effect, that I have no payment due until XX/XX/XXXX, and that all these months continue to qualify for PSLF.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Public record information inaccurate

I've contacted Equifax on a number of occasions to dispute the Chapter XXXX on my credit report and I have also explained to them that XXXX and XXXX  do not have a chapter XXXX on my credit report and the representatives and supervisor all say that they are following the law and they can keep an I item on a consumer 's report for 10 years. How does this benefit, Equifax? Why would an agency allow a credit reporting company Equifax to hold consumers hostage? XX/XX/2019 will be 10 years since my Chapter XXXX has been discharged. It is my request that CFPB insure that Equifax removes the item.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.
Complaint sub-issue: Debt was paid

This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''
Complaint sub-issue: Billing dispute

I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.
Complaint sub-issue: Account information incorrect

this is my fourth attempt to resolve this issue with Equifax and XXXX, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX .... Balance : {$40.00}
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Debt is not yours

There was a medical collection that was placed on my credit by NTL XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was  sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello There : My Credit card, was charged with two big electronic purchases on this pandemic era, purchases that I did not do. 
On my statement of XXXX appeared 2 transactions. One was on XXXX XX/XX/20 for {$4300.00} and other of {$3800.00} on Best Buy ; I called Citi XXXX Card to report the scam and they immediately cancelled my credit card and sent another one. Credit card issuer told me that they were going to make an investigation and put a dispute for these transactions and that I should wait until they find out what really happened and they reversed the charges. After XXXX weeks, they sent a letter stated that they found the transactions were made by me and they also sent a report generated by Best Buy with the record of both delivery transactions. One package was delivered to a XXXX XXXX XXXX Office and the other package was delivered by XXXX to my house, I called the bank and I told them that I never ordered neither received these merchandise and I never called XXXX neither XXXX to make any arrangement. 
According to Best Buy report, the thief used an email address and telephone numbers very similar to the ones I use. I asked to the credit card how is possible that the merchant do not request a signature delivery for this kind of purchases? They said that I -me- picked up one package in XXXX Office and the other was delivered to my house. I never did that nor received that. 
After XXXX weeks of back and forth calls, I contacted again to the Credit Card to see what happened with the investigation, they said that they are going to charge again the transactions to my monthly statement and I must pay for them ; they give me the option to open a new dispute, but after that dispute is closed, they never going to do anything else and they keep this amount on statement. Yesterday, XX/XX/XXXX I received my XXXX statement and they charged {$8100.00} again
Complaint sub-issue: Threatened to sue you for very old debt

I was contacted over 20 times about resolving a debt that I have never created. I was left multiple voicemails from someone telling me that they were attempting to serve me with documents. I was told that I was being sued and that my wages were going to be garnished from a XX/XX/2006 debt with us bank, due to this being a bank it was a federal crime and I could be imprisoned. I called them to see who they were and what the debt was for. I was never given a name for this company I only obtained this by doing a XXXX search for the phone number. The person I spoke with kept saying that she was happy I was willing to pay, which I never agreed to do. I asked for a letter stating the the facts of the debt, only to receive a document email with a promise to pay statement attached that I was threatened to sign in 24 hours or risk being sued. XXXX XXXX is the person that I spoke with
Complaint sub-issue: Problem with rewards from credit card

I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update
Complaint sub-issue: Information belongs to someone else

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Complaint sub-issue: Can't temporarily delay making payments

While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.
Complaint sub-issue: Reinserted previously deleted info

I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute