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

Contacted EQUIFAX & XXXX multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to Equifax/XXXX and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.
Complaint sub-issue: Account information incorrect

I reviewed my credit report and found inaccurate unverified accounts reporting.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX
Complaint sub-issue: Old information reappears or never goes away

The following accounts listed on my Equifax credit report is fraudulent and keep reappearing on my credit report : XXXX XXXX XXXX for credit card account, {$22000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card account, XXXX XXXX XXXX XXXX credit card account and XXXX XXXX XXXX XXXX MasterCard credit card account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tax liens on my Consumer report with LexisNexis, XXXX and XXXX. I have contacted XXXX to disputa all tax liens, XXXX did an investigation and stated in a report the information was provided from LexisNexis and that LexisNexis verified the records as belonging to me. I contacted LexisNexis on XX/XX/XXXX and was told an investigation would be done and results sent to me. XX/XX/XXXX, LexisNexis Consumer Report XXXX case Number XXXX that states the XXXX County Court in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted LexisNexis on XX/XX/XXXX and told LexisNexis that XXXX County Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX County Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to LexisNexis for the their review. Again, I was told that XXXX County Court supplied the information, which XXXX County Court, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
Complaint sub-issue: Information belongs to someone else

Hello My name is XXXX XXXX XXXX I am a new immigrant to the united states of America and Im coming to you for help on the below situation. I spoke to Equifax on XX/XX/XXXX latest and earliest XX/XX/XXXX and inquire about removing unauthorized inquiries in my credit report. I have filed an FTC report reporting identify thief, and also a police report. Equifax has not been able to fix my problem and I'm trying to stay positive to provide for my family during the covid19 crisis and this is not making it any better, as we are in the process of  buying a home and these unauthorized inquiries are keeping us from that. Please see the below and remove all of them. 


XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( I Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 my debit card was stolen from me while shopping at XXXX XXXX That card was used 12 different times on XX/XX/XXXX and XX/XX/XXXX subsequent to its theft. All 12 charges occurred in businesses that I never frequent. There was even one  withdrawal of {$500.00} from a branch of the bank that issued my card albeit that branch is 75 miles from my home. Ten of the twelve charges/withdrawals occurred 75-80 miles from where I live. Four of the twelve charges/withdrawals far exceeded the amount that I typically charge or withdraw. This was all done despite the fact that my PIN is committed to memory. It is not written down anywhere, and no one else knows it. Despite all this, I did not receive a fraud alert from my bank until XXXX declined a XXXX attempted charge on XX/XX/XXXX. After making numerous calls to the XXXX XXXX phone number and receiving no satisfaction, I went in to my local branch and filed a claim for all XXXX charges which totaled {$3100.00}. On XX/XX/XXXX, I received a {$2100.00} debit card claim credit via automatic deposit into my checking account which is & XXXX short of my claim. Ive spoken to customer service representatives minimally four different times asking for an explanation of the shortage. Each time I have been promised that the reviewer of my case would call with an explanation. Ive been given a time frame for the promised return call anywhere from one to three days subsequent to my call. To date, I have not received that return call. Please help me. I am a 35 year  plus customer of this bank, and they have responded to me with disinterest at best and with disdain at worst. Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On Sunday XX/XX/XXXX, I logged into XXXX which allows me to look at credit reports from XXXX  and Equifax. I noticed errors on my Equifax report and I clicked the link to file a dispute. This bounced me over to an Equifax web site to log into my credit report and submit the dispute. When this happened, a new window opened that did not allow me to click the back button and there was no navigation buttons in the web form to allow me to go to various parts of my dispute. I had entered information and when I clicked next, the characters in my statement changed to nonsense, ( example :? / ' & XXXX # & % : { |+ ) I tried to go back to fix it, but the form broke. I received an error message that information had to be resubmitted in order to complete the form. I went back to the beginning and started again. I am no longer able to log into my report. It tells me to call Equifax support every time. I had to wait until Monday. I started with the chat feature for support. The person chatting with me told me that the dispute system was down and that I should call or submit my dispute by email. I said no, that I wanted to wait until the system was back up. He couldn't give me any information about whether or not it would come back up. I called the XXXX number and spoke to someone who couldn't confirm or deny whether the site was working. He started to take my dispute by phone. They are not allowed to share any information with me once I am chatting with them. So, the agent couldn't even confirm that they were taking notes about the correct account. Example, I'd say, " I'm referencing this XXXX account opened in XX/XX/XXXX, do you see that one? '' and the agent would say that they can not share any information. I've had multiple accounts over the years with the same companies. How do I now, the agent and I are talking about the right one and my complaint will be taken correctly? They can't corroborate any information and there is no way to view the information online once you're locked out. I then asked how to send supporting documents. They told me, I could fax them, " If you want, '' to use the exact words o the agent. I don't have a fax machine. It's XX/XX/XXXX, most people upload or email documents as PDF 's. I worked in XXXX for nearly 2 decades and I assume that when the session broke on Sunday, my account was locked out. I asked if it could be unlocked and they won't tell me anything. They support department is separate and they don't take phone calls. How is this serving the consumer? I want this bad data cleared from my credit report in a timely manner, so I can apply for credit on MY schedule. What if I wanted to buy a house in the near future? Equifax ' web implementation is inferior to that of any other major corporation and I surmise it is in an attempt to deter the consumer from being able to submit disputes which should be illegal. Equifax should be forced to update it's procedures and software in a more consumer friendly manner.
Complaint sub-issue: Account information incorrect

My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I sent Equifax certified mail via USPS which included a police report of my name, ssn #, address was being used on the dark web by someone else. It was delivered on XX/XX/XXXX according to USPS. 
On XX/XX/2022 I contacted Equifax to follow up with my concerns to delete these XXXX inquiries XXXX XXXX XXXX  from my credit report. I spoke with a representative XXXX XXXX and he denied that Equifax never received my certified mail which was false! I will provide attached documents of the certified mail. I have never applied or have any affiliation or any open accounts with XXXX XXXX XXXX. I have also contacted XXXX XXXX XXXX  to provide verification and signatures that these XXXX inquiries belong to me? Its been over 60 days and no response from XXXX XXXX XXXX. I am asking kindly to delete these XXXX XXXX XXXX XXXX  inquiries from my credit report immediately or legal action will be considered to have them removed.
Complaint sub-issue: Trouble with how payments are handled

I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.
Complaint sub-issue: Reporting company used your report improperly

I accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I live in Illinois. On XXXX, XXXX i called XXXX XXXX in XXXX Wy . to purchase a remote starter, for my brother, who lives in WY. XXXX, took my credit card info {$410.00}, and said my brother will need to make a appointment. XXXX charged my credit card, that day. My brothers appointment was at XXXX on XX/XX/XXXX. He arrived at XXXX, the owner was not there. My brother was told they did not have the remote starter, and could not get equipment, due to nonpayment to suppliers. Brother told the office girl, to refund the charge. Brother called me, and advised me of the situation. I immediately called my credit card company, CitiBank ( mastercard ) and disputed the charge of {$410.00}. I then called another business in XXXX, XXXX XXXX, phone number XXXX, and purchased the remote start from them for {$360.00}, which they installed that day. 
On XXXX XXXX, citi card send me a letter to sign, stating that i had not received merchandise or service. Which i did. and they received it XX/XX/XXXX. I also included a complaint number from the XXXX XXXX XXXX for a complaint i filed on XXXX. ID XXXX. 
i also filed a complaint with the XXXX Wy. Police Department XXXX, XXXX XXXX. My Case # D XXXX. Officer XXXX, advised me XXXX XXXX is under Criminal investigation for their business practices. XXXX XXXX is Closed for Business. 
My complaint is against MasterCard and CitiBank. I had sent everything they requested and more. Citi bank informed me that MasterCard investigator had reviewed the case and as of XX/XX/XXXX is complete, '' since they have not received a documentation regarding the merchant 's inability to provide the service. " I have called CitiCard s, requesting to speak to the investigator, i provided all info. that i was requested to. I have called Citi card and requested the investigation be reopened. I called MasterCard, trying to speak to someone about this. I have got no where. I gave CitiCard, my brothers phone number, the complaint number of XXXX, the name, case number, officer name in XXXX. MasterCard investigator is unwilling to review the FACTS.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Complaint sub-issue: Public record information inaccurate

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Other problem getting your report or credit score

Sometime in XXXX I applied for a credit line increase for my XXXX   XXXX XXXX for the second time and was denied on XX/XX/XXXX due to Equifax missing my credit information. I called Equifax multiple times within the next week to figure out how to solve this issue. On Monday, XX/XX/XXXX, I mailed a copy of my drivers license and social security card to the Equifax Dispute Center because thats what a representative told me to do. On XX/XX/XXXX, I received a letter from Equifax saying they were unable to locate a credit file for one of the following reasons including not having a current file, not having applied credit recently, or not actively using credit in the past ten years. Today, on XX/XX/XXXX when I received the letter, I called Equifax back trying to figure out what went wrong and I was told to resend my same documents. On my XXXX report I see XXXX  and XXXX  but not Equifax. They are not helping me to help them, just telling me to resend things I have already sent, this situation is affecting my background checks and credit line increases in a negative way.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system.

What a joke.

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from 2011 that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX XXXX. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to the following credit bureaus, XXXX, Equifax and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MXXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XX/XX/XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.