Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting report or credit score

Equifax makes you wait HOURS on hold and then those who answer the phone simply hang up on you
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.
Complaint sub-issue: Debt resulted from identity theft

this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit
Complaint sub-issue: Information belongs to someone else

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX/XXXX  {$400.00} XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
Complaint sub-issue: Reporting company used your report improperly

I've been going back and forth with EQUIFAX over a month or so now and getting no where. I gave them written instructions pursuant to 15 USC 1681b ( 2 ) but they refuse to do as they're told. I am a private consumer and my reputation is being ruined by false/misleading information. Not to mention, the stress and frustration with every person I speak with, giving me a hard time. They're telling me to send in dispute letters, identity reports, and two forms of identification, which I've done THREE times. I've even fax this information and I will show my evidence as well. I have not given EQUIFAX, nor anyone else, my consent to furnish anything. Furthermore, EQUIFAX quick to ask me to verify myself but I don't know who these people are nor did I give them my consent to furnish any of my private information to/from anyone. That is IDENTITY THEFT. They're acting as if this is their information and I will not tolerate it. When I made a complaint last time on CFPB, they closed it out! Nothing change on my consumer report. XX/XX/XXXX I spoke with someone in fraud department about unauthorized inquiries and they were removed within 24-72 hours. Today, XX/XX/XXXX, XXXX I see they're back so I called to get them removed again, I was given a hard time and the woman put me on hold but never came back. I will not give up until I get my remedy. Now I am attaching a Cease & Desist letter to stop all communication regarding my private information!
Complaint sub-issue: Didn't receive enough information to verify debt

Pro Collect reported a negative item on my Credit file. An apartment complex. the account is old and re-aged. Pro Collect continue to add to the amount. I sent for validation of the account and never got a response from Pro Collect. They continue to report this erroneous account on my credit
Complaint sub-issue: Attempted to collect wrong amount

When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. 

When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. 

I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. 

I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. 

I am looking at the list of charges sent, and I do not believe this is accurate. 

I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. 

It shows my total charges of services received totals {$370.00}. 

{$370.00} - {$90.00} - {$50.00} = {$220.00}. 

I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.
Complaint sub-issue: Information belongs to someone else

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED Equifax, XXXX  and XXXX s. On XX/XX/XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.
Complaint sub-issue: Problem accessing account

Fri, XX/XX/XXXX at XXXX PM Account Holder : XXXX XXXX Account Ending In : XXXX Dear XXXX XXXX, As a reminder, please visit your Apple Pay wallet to complete activation of your Citibank Debit Card in your mobile device Additional verification is still needed to complete activation of your Citibank Debit Card in Apple Pay. 

Call us right away if you did't request your card be added to XXXX XXXX XXXX you did not ask for this debit card to be added to XXXX XXXX, or if you need help completing your card activation, please call XXXX ( TTY XXXX ) right away. 

We hope to hear from you soon Thanks for the opportunity to serve you. 

2021 Citibank , N.A . Member FDIC. Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. All rights reserved. 

XXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries.
Complaint sub-issue: Information belongs to someone else

My wallet was stolen at a Mall in XX/XX/XXXX and was never found and the thief has used my information numerous times!!!
Complaint sub-issue: Account opened as a result of fraud

My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

A collection company has placed a collection account on my credit file which the original creditor is XXXX I have not done business with XXXX in a long time 8-10 years ago. There is no way this is accurate please help
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Debt was settled XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX CONTACT was XXXX XXXX for Fleet Card Services Card this debt was back from XX/XX/XXXX 14years
Complaint sub-issue: Old information reappears or never goes away

I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK  court and XXXX and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.
Complaint sub-issue: Billing dispute

Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.
Complaint sub-issue: Account status incorrect

Enhanced Recovery Company is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX assured me that they pulled this from Enhanced Recovery and no other collection attempts and it would be removed from my credit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt was result of identity theft

My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Complaint sub-issue: Didn't receive notice of right to dispute

I have filed a complain with the XXXX  against this company. But when I reviewed the other complaints listed there, I discovered that every single complaint was about the same thing as mine. This company clearly is employing some illegal tactics to get people so scared that they will pay for a debt they may not owe. I want resolution for my own problem, but I also think that the CFPB needs to put this company on warning so that they stop preying on people who may not realize their rights. For each of the people who complained, there must be thousands more who are falling victim to this company 's repulsive system for making money on people who thought they had gotten out of debt. 

I discovered the problem today because my credit report went down by 29 points, though I have been working very hard to restore it during a horrific divorce. I am in the middle of applying for mortgage modifications and need to keep my credit score intact during these very difficult times. I was shocked to see this company had filed a collections notice against me though I HAVE NEVER RECEIVED A COLLECTION NOTICE FROM THEM. They clearly bought this debt from someone else and have never bothered to look into it. This debt is probably from XX/XX/XXXX, and was my soon-to-be-ex-husband 's share of our phone bill. He left me with many debts and sole responsibility of XXXX children, and I explained to XXXX at the time that I was not able to pay for his phone bill, which was listed under a family plan. I thought that XXXX had thereafter cleared that debt and I even worked with a credit counselor who also worked to ensure that debt was clear. 

Now, out of nowhere, at the worst possible time, this company buys a debt that is at least 8 years old and lists it on my account as collections, completely destroying the credit I just spent a year rebuilding. This is not a new debt and I have not received anything ever from this company about this debt. They are destroying my chances to get a mortgage modification over a debt that did not belong to me and is over eight years old. I don't even think that the amount is accurate ; they list the debt as {$500.00} but I don't think this is even based on an accurate bill from 8 years ago.
Complaint sub-issue: Information belongs to someone else

These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/XXXX I contacted a collection company XXXX XXXX. They realized an error and submitted for this collection account to be removed. Every month I call and it is not removed from Equifax, All of the other agencies removed it. When I contact Equifax they provide a scripted statement of will be removed in 30 days. It is now mid XXXX and I called again today and was given the same answer again. I call the Collection agency again today whom in turn provided me with the control number for deletion that was sent in XXXX to Equifax - XXXX # XXXX and told me they could do nothing else to help. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$530.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX When I called equifax again and provided the control number they told me that they would put the control number as a consumer statement and do another dispute and I will need to wait another 30 days. I have been attempting to get a home loan and each time they ask me about my collection account.. I have been denied a loan over and over because of this. 


Please help me. Sincerely XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Equifax is posting a Collection to my account for {$88.00} dollars but they are not posting who is submitting this collection, they are not submitting the address or phone number. It is literally blank and they keep verifying this Ghost debt in which I dont know is reporting to my credit report to contact them to identify this ghost debt. Addittionally its a violation of the FCRA to report a collection with all of that information for the consumer to be able to not only contact the bureau but this mystery company