Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This is a formal complaint against Equifax Information Services. I am making this complaint through the CFPB, I have noticed that there are many irregularaties with my credit report with Equifax, and many variations and incorrect information with my personal information. I have requested for about 90 dye for the information about these accounts.I have noticed that weekly, that every time I make a call to try to dispute these accounts there is different information every week. This situation has me very stressed and confused, I don't understand why there are these irregularities and variations with my credit report. I want to be very specific with this complaint because I am going to name all the documents that I am going to send and attached so what has happened before doesn't happen again, where only half of documents arrive, they may come incomplete. The documents that I am sending is to report that I am a victim of Identity theft, accounts have been opened under my name without my permission, with addresses that I have never lived in or recognize, phone numbers that never belonged to me, etc. The names and number of the accounts every week change every week and I don't understand why. That is why I am making this complaint with CFPB and send the documents through here so there is a third party as a mediator to make sure everything is up to standard. They are going against the law under FCRA 611 ( a ) to request a complete description of all the methods used to investigate my dispute. I want to make sure that the personnel of Equifax has been friendly and helpful with everything but I don't understand why there is such a mix up with the information, maybe there is a miscommunication, I had to make this complaint because these things don't make sense. As well as to avoid the loss any documents the, I have sent, this has happening since the first week of XX/XX/2019. I am very stressed with this irregular situation in my credit report with Equifax, a situation that does not happen to me with XXXX XXXX XXXX XXXX  
I Make this complaint through this sway because it is the only way make sense of all the irregularity in my Credit Report with Equifax it blows my mind to know that every phone call make to Equifax every Week give me credit information different, it is impossible to be truthful with them, every day my credit report accounts that change the list of accounts or their status from one day to the next worst thing is that all the documents I send certified mail, don't arrive or if they supposedly arrive they arrive incomplete, which seems very strange to me because this happens????? 



DOCUMENTS ATTACHED : XXXX ) LETTERS DISPUTING ACCOUNTS XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT FTC XXXX ) DRIVER LICENSE XXXX ) SSN XXXX ) PASSPORT XXXX ) COPY OF 605 ( B )
Complaint sub-issue: Information is not mine

My deceased mother 's past due credit card has been put on my credit report in an attempt to come after me. Her estate is in probate and everybody will get paid when the estate settles unless her creditor refuses to get off of my credit report and continues to cause me to be denied credit. XXXX deleted the account off of my report based on my information. Equifax refuses to do the same.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1981XXXX 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 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
Complaint sub-issue: Problem with personal statement of dispute

I have disputed an alleged bankruptcy that Equifax continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Equifax continues to report the item on my Equifax consumer credit report.
Complaint sub-issue: Information belongs to someone else

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having an issue with the personal credit reporting agency Equifax. My credit was obtained out of fraud and i had 7 hard inquiries on my credit without my knowledge. The dates and companies are XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have had no issue disputing these fraudulent inquires with XXXX  or XXXX. All i get back from Equifax is that they say it is a factual record. It cant be a factual record when i have not signed any authorization for any one of these lenders to obtain my credit falsely. None of these lenders can prove i signed any intent for credit with them and Equifax is failing to do its job to protect the consumer, which in this case is me.
Complaint sub-issue: Information is not mine

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX
Complaint sub-issue: Information is not mine

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Complaint sub-issue: Account information incorrect

I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.
Complaint sub-issue: Other problem

I monthly make a {$300.00} payment to my XXXX credit card to build credit to a very limited credit line, so twice a year I can buy a {$2000.00} product without much burden to get approved. 
I went to the store to pre-order the iphoneX on XXXX XXXX, and took the time to verify the credit limit. To my surprise, it was my total credit line, and not the credit line plus {$1400.00} or so. 
So I called XXXX cards and they told me that I did n't have that amount because they had cut a check of {$1400.00} to refund me because of XXXX reasons on XXXX XXXX. at least, that 's what they claimed. 
I asked them how long does it usually take to get the check via mail ... they guaranteed 10 business days or less. So I let them know that the check never made to my home, and asked them to cancel its payment and cut another one. 
2 calls later, they guaranteed me that a check was sent out. 
I called again before thanksgiving, and they told me that that was the XXXX business day, so the refunded check should arrive on Friday, which did, but for {$300.00}. 
So i called them once again to complain about the {$1400.00} check. 
They then told me that that check had been cut in XXXX, and then I reminded them that we had already had this conversation. Finally, the XXXX escalated to her manager and ended up sharing my Bank XXXX XXXX account details for immediate refund. 
I ended up picking up the phone and could n't use the 5 % cashback because I didnt have the {$1400.00} check ( the phone cost {$1200.00} ) ... so I had to rely on the XXXX finance. 
After waiting for the " immediate '' refund as promised on XXXX, the day after thanksgiving, today, XXXX XXXX, I called them to let them know that the refund had not gone through. I was now afraid they had the wrong account information. 
So I escalated the call and spoke with XXXX, who then explained to me that on XXXX XXXX, a decision to reissue a check had been made and that the direct deposit was not made. So they unilaterally decided that a check should be cut, and no one informed me. My current balance in XXXX is negative {$1200.00} because I was counting on that promised deposit. Probably I will have to pay for negative balance, lost the 5 % cashback, and other financial implications due to their wrong-doing. 
They had promised me that the check will get to my home before this Wednesday. 
I also reminded them that they had messed up with my account before, when they mistakenly charged me interests on a purchase just because their systems were not recognizing my monthly payments due to their billing cycle. So they would see the $ 300 monthly payment made twice in XXXX extended month, and see no payment on the next month. I had to chance the billing date to fix their problem. 
I think that i should get the 5 % cash back on the purchase, interests paid on my money that they are holding since XXXX with this check refunding process fiasco, and cover the negative balance consequences at the bank. 
This is extremely disrespectful. Too many calls, too much time wasted, too much frustration and broken promises and horrible expectations.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. 
Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. 
XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). 

Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.
Complaint sub-issue: Account status

Equifax is aware of status received " Certificated of Lien Satisfaction of Judgment '' with XXXX with their dispute filed on XXXX XXXX confirmation XXXX however, Equifax still refuse to update the derogatory remarks on my credit reporting status " paid on time, account closed with zero balance, or removed this derogatory remark from my Public Records on my credit report. Equifax has received the letter of certificated from XXXX XXXX XXXX XXXX Court with the dispute. 

Equifax refusal to correct the derogatory remark from my public records. Their response " CORRECTLY REPORTED '' WHICH IS VERY FALSE. However Equifax refuse to follow a COURT ORDER Certificate of Lien ACCOUNT HAS BEEN PAID AND SATISFIED WITH XXXX BALANCE ( see attachments ) Due to Equifax refuse to honor or aide this court order has caused damage to my credit rating immediate attention is needed with the correct action taken.l I had send attachment of certificate of satisfaction to Equifax with my dispute about this derogatory remark in my Public Records. 
Please address error to higher level of management I had filed numerous complaints with Equifax and they still refuse to response properly to address this complaint or make update corrections. 

Equifax remarks under Public Records should state : 1 : Account paid on time in full 2 : Account close with XXXX balance Thank You XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Complaint sub-issue: Was not notified of investigation status or results

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2022 my account is reported to credit bureaus equifax, XXXX and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Complaint sub-issue: Billing dispute for services

Car was totaled had insurance and XXXX XXXX still shows up
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX am 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX lied to me that no hard inquires would be performed on my credit. lETTER ACKNOWLEDGING THIS ATTACHED. Looking ffor monetary damages due to FCRA violation
Complaint sub-issue: Account status incorrect

Hello, I am the holder of a XXXX XXXX  Business Credit Card Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XXXX, XXXX I was out of the country on business. XXXX tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. XXXX claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually XXXX   will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by XXXX. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. XXXX closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe XXXX is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not. 

I have been banking with XXXX for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
Complaint sub-issue: Investigation took too long

I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed