Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that Equifafx, XXXX and XXXX are reporting these inquiries I would like them to remove them.
Complaint sub-issue: Account information incorrect

XXXX is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.
Complaint sub-issue: Account information incorrect

I have repeatedly disputed inaccuracies on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX my account was deposited {$20000.00} for my paycheck protection loan for my business I was approved my loan was approved and then my account was closed I bought in all of my documents to show that this was my business this is my account but they state because it was a personal account and the funds got approved to my business Ill have to wait
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Scheduled XXXX  appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.
Complaint sub-issue: Debt is not yours

This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.
Complaint sub-issue: Information is not mine

Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX, is the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). 

I, the consumer, am contacting the CFPB about an alleged debt from Enhanced Recovery Company. On XX/XX/XXXX, I received copies of my consumer reports from the three major reporting agencies to find that Enhanced Recovery Company reported the alleged debt to the consumer agencies without providing proper notice pursuant to 15 U.S. Code 6802 ( a ). The debt collector also violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) ( C ) of the Gramm Leach Bliley Act by not giving I, the consumer, the option to opt out of disclosures to third parties. 

I sent a validation letter to the ERC and I asked for the company to provide documentary evidence and a contract to provide that I owe the alleged debt. The debt collector failed to supply the evidence. On XX/XX/2021, I produced a cease and desist pursuant to 15 U.S. Code 1692c ( c ). I am currently awaiting a response.
Complaint sub-issue: Problem using a debit or ATM card

I complained to Citibank about XXXX XXXX charging unauthorized charges specifically. I complained to Citibank. I am honestly sick and tired of free trials that turn out to be scams. I told Citibank that I was removing my card number from XXXX XXXX. I honestly don't know how XXXX got a hold of my new debit card number but I suspect when I went to pay for something XXXX XXXX captured and stored this information. I am XXXX. I live on a pension. Citibank made my checking account disappear and did something I don't know what to my debit card. When I called Citibank it has already been an hour and a half while they shuffled me around departments. I pay a {XXXX} checking card fee a month. I have direct deposit for my retirement funds. Citibank seems only to have customer service in the XXXX and it appears that citibank loves to pick on and discriminate against XXXX old women. They did all of this without telling me. I am really really upset. I am tired of banks being bullies. I took my account number off XXXXXXXX XXXX. I think something has to be done about the greediness of the tech companies. For some reason Citibank gave priority to paying XXXX. I have been on the phone to someone in the XXXX for 1 hour and 40 minutes. I never agreed to paying XXXX. I think that is a waste of money quite honestly. I did everything I was supposed to do on my end. I feel that Citibank is punishing and retaliating against me. They did not notify me. Honestly I am sick and tired of Banks and their lousy customer service. I lost two people in my family over Covid Something I think Banks with their extremely short memories seem to have forgotten.
Complaint sub-issue: Inadequate help over the phone

I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.
Complaint sub-issue: Investigation took more than 30 days

I have recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Verify Method of Verification.

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.
Complaint sub-issue: Information belongs to someone else

After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.
Complaint sub-issue: Information belongs to someone else

equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!
Complaint sub-issue: Problem with personal statement of dispute

I am a victim of identity theft and I have submitted a notarized affidavit and police report to Equifax in order to have fraudulent accounts block from my report in accordance with the FCRA 605B. My request was clear but instead of following my request, they decided to ignore it and file a dispute. Please do not dispute. Block this item within 4 days as required by FCRA Attached are mail documents
Complaint sub-issue: Problem during payment process

I have had a 100 % payment history until XXXX of this year where my Citi Preferred Credit card showed a missing payment. I reached out to the company to see what happened because I have had issues with online payments in the past and they were easily squared away due to my good payment history but they told me they didn't understand what happened and they will get back to me it has been months now and it is still on my history and impacting my credit very negatively so I have decided to reach out to see if I can be assisted by your team I have heard nothing but great reviews. I am willing to do what I need to do with the Credit card Company to assure them that this is not a pattern just a fluke misunderstanding.
Complaint sub-issue: Didn't receive services that were advertised

I learned that I was included in the Equifax Data Breach and immediately enrolled in their TrustedID credit monitoring product. After waiting 48 hours for the system to send me an email notification that my account was set up I immediately tried to login to my account using the user name and password used to establish the account. After several attempts I was locked out at which time I contacted Equifax and was told that they were inundated with requests and their system was down for a few hours and that I should try again later. I waited a couple of days and tried again to be told my login and or password was incorrect. I immediately requested to reset my password and received an email allowing me to so ; unfortunately when I entered my date of birth and the last 4 digits of my social security number I received an error message indicated that this information did not match their records. Since this this happened in early XX/XX/XXXX I have attempted to call Equifax on 5 separate occasions. Most recently today XX/XX/XXXX and Friday XX/XX/XXXX. On XX/XX/XXXX after a lengthy 25 minute conversation with an individual in XXXX who could not understand me nor could I understand him I was allowed to speak with a supervisor who told me that everything was reset with my account and it would take 1 hour to be reset. On XX/XX/XXXX I attempted to login to my account and received the same error messages with my password and the again when I tried to reset my password. I called Equifax once again and was told for the first time that the date of birth I was entering did not match what they had in the system. Only to be told that the issue was reported and it would take up to 48 hours to get resolved. I am very concerned that not only am I dealing with individuals who don ; t understand how to professionally do their job, I am more concerned that these call center individuals are not handling my Personal Identifiable Information ( PII ) in an appropriate manner. I want Equifax to provide me with the credit monitoring product and service they promised and I want the opportunity to make sure they have the most current accurate personal information on file. I should not have to go through so many hoops and hurdles over the course of 6 weeks to accomplish this process especiall if they were better stewards on consumer PII and not so greedy about cashing in their stock before they made this breach public information. As a consumer I demand that the CFPB look closer at this company and fine them for their incompetence. I still have no resolution or certainty of when resolution will be obtained and my free credit monitoring will kick in. I also have no idea if I have been a victim of fraud.
Complaint sub-issue: Didn't receive notice of right to dispute

IQ Data International Collection was added to my credit report as a collection fee of {$960.00} for a surety deposit that covered up to {$1500.00} from our previous property management XXXX XXXX XXXX  in XXXX also operating under XXXX XXXX. I called IQ Data to ask about this erroneous debt because the surety deposit was paid in full, we had a separate security deposit of months rent at Northwoods and I also have the email from this property stating that the deposits went through and we have {$0.00} balance. I spoke with a bill collector who was assigned to my file, Mr. XXXX XXXX, and he falsely stated that I owe the entire amount, lied that he sent me notifications by mail and phone which I never received and when I asked the date he mailed them he said I dont know, I dont own USPS. I explained to him I never received any notification, I wasnt aware of this collection and that I had the assurance there was no balance owed to Northwoods or elsewhere. I told him to which e-mail I can forward the email from XXXX property stating {$0.00} balance and he said he doesnt have a company e-mail. The gentleman was very rude, aggressive, interrupted me, didnt let me talk or ask or give clarifications, and was not keeping a calm voice tone. It waa impossible to have a conversation with him, or with anyone else when I asked to be sent XXXX manager or supervisor, and I wasnt able to dispute this because all he was saying was I owe the money and all he can do is cut me deal to pay it today because he said it doesnt matter if I wasnt aware of this or notified by any means and refused to accept my documentation stating there is no amount owed to anyone. He also kept on saying that I dont understand how finaces work. Very disappointed and he kept on saying that I can say all I want but this wont take that off my credit report, so Is rather let him cut me a deal to pay today. I told him I am a XXXX  XXXX  struggling with money and that all I do is ensure I can pay for bills on time and food and necessities for my baby and try to fix my credit to soon apply for a house loan. I dont need this additional stress from something that is illegal and that can never be present to me in writing. I specifically asked to forward me the document he alleged he sent a while ago and he refused to do that, as well. I cant pay for something I am not responsible for and that fraudulent. I came across many complaints filed against the same debt collection company IQ Data International and this is unacceptable to take advantage of poor people and try to ask for money that no one owes! Please, please help me resolve this issue because that person on the phone assured me there is no way to take it out of my report than expecting me to pay something I dont even know what it might represent! I will send them a fax with that e-mail stating no balance is due that the property manager sent me, but I can not have the assurance that anyone will receive it or accept it as evidence, they may completely disregard it. Please advise how to proceed to get this fixed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was ran without my knowledge or consent.
Complaint sub-issue: Account information incorrect

Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.
Complaint sub-issue: Problem with fees

Since I am an XXXX year old man, it became apparent I needed to start getting my affairs in order. I have had a Discover card since 2008. I have carried a fairly high balance. recently I discovered they have been charging me {$79.00}. a month for something called Payment Protection. I called to discuss it with them. It has been on my account for years. I don't keep statements so I can't determine how much I have paid but it must be thousands. The lady on the phone quickly offered to refund me about {$500.00}. which was for the last 6 months. I ask to have it all refunded be got nowhere. The 6 month refund totaled some {$480.00} on the fees plus {$30.00}. of interest. Wow, they charge interest on the fees. Anyway, in researching on line I determined Discover has been fined and required to refund some XXXX XXXX  to customers. Wow, guess I missed out. I have sent the payoff of my credit card to Discover. I would very much like to get those fees back.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX