Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019
Complaint sub-issue: Information belongs to someone else

I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent accounts
Complaint sub-issue: Account status

judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.
Complaint sub-issue: Reporting company used your report improperly

Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021, charge for XXXX business training for {$1300.00}, Ive disputed the charge and initially got my money back but then discover placed the charge back in my account and said the investigation was still under review.
Complaint sub-issue: Problem getting your free annual credit report

This is addition to my earlier complaint number XXXX. 
I had tried the XXXX time ( to obtain free annual credit report from Equifax through XXXX site ), they refused me twice, the third time they demanded I receive a text message from them. 
I do not have active phone! 
I do not plan to have active phone for a while. 
I do not need to have an active phone to receive my free annual credit report online! 
This is not what the law says. 
This is implementation of tracking and XXXX social credit system. 
The are acting unlawfully. Even if I had a phone number now I would not use it and I do not authorize Equifax to text me, it's none of their business what is my phone number either. 
I was not asked any of the usual identity questions by Equifax before refusal, only my email and phone, which are none of their business. 
I do not want to communicate with them by phone or them sell my email and phone or leak them. 
Also, no alternative had been provided, except one link which had lead to blank page with HTTP error message 404. 
I already provided full identifying info to AnnualCreditReport site, my SSN, DOB, address, name : this is sufficient to identify me for free annual credit report.
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

https : //www.ftc.gov/XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found 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 is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

I am extremely nervous about the recent hack.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been reporting FALSE information regarding collection activity on my credit report. I submitted 3 credit report dispute complaints over a 3 year period to have this false collect claim removed and provided court documents showing the debt claim as false and not valid. Each time the dispute results are in favor of the creditor with ZERO proof that the debt belongs to me. 

Equifax is not doing proper investigations into consumer dispute complaints. And are failing to collect proof of debt from creditors before submitting negative credit reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our	 this was a scam company advertising a warehouse sale of Keen shoes. 
We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. 
Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years.

Please require Discover to stop accepting re-posts of settled  disputes from scam merchants such as XXXX XXXX. 

Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/2020 I.C. SYSTEM, INC reported a debt of {$790.00} dollars for XXXX XXXX XXXX  XXXX XXXX on my credit report. First, I was unaware this account even existed, I never received any documents or letters about this account. I have lived at the same residence for 5 years now and the gas is NOT in my name. The reporting also violates the CARES Credit reporting Act along with the Utility Consumer Protections During California COVID-19 Outbreak.
Complaint sub-issue: Didn't receive enough information to verify debt

In accordance with the Fair Credit Reporting act RECHECK & 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 a account without my written instructions
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2019 all 3 credit reporting agencies, Equifax XXXX, XXXX  XXXX, XXXX XXXX report to XXXX those credit scores when I pull FICO it show Equifax XXXX, XXXX   XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.
Complaint sub-issue: Problem with balance transfer

I was called on XX/XX/XXXX17 by a XXXX XXXX XXXX from Discover card services. He informed me that I had overpaid Discover card services too much interest over a 10 year period. I was told that I was entered in a class action law suite and the Lawyers had already been assigned. My attorney was. XXXX XXXX XXXX and he would be representing me. I was also told he would have to speak for me. I did agree. XXXX XXXX told me I would receive XXXX.I was told that I would receive this money in 30-to-45 days.He also gave me a phone number of XXXX.Ext XXXX. He then told me that I could cak call any time and someone would answer.He also gave me an external bank account number good XXXX. No bank name. He also stated if I got a bill not to pay it. Discover did a balance transfer to XXXX XXXX XXXX. I am now receiving a bill which I am trying to pay. I am XXXX  years old and living in a fixed income.
Complaint sub-issue: Information belongs to someone else

Equifax was notified of the error on my account as soon as discovered. As required by Equifax, a corresponding identity theft report was filed. A notarized copy of the identity theft report ( FTC # XXXX ) as well as notarized copies of my driver 's license and copies of my utility bills were sent last XX/XX/XXXX and again mailed in XX/XX/XXXX to Equifax to update and correct my file. In XX/XX/XXXX, they corrected my file and enabled me to place a Credit Lock on my account to prevent more errors. 

In or around XX/XX/XXXX, the incorrect address was again added to my account ( XXXX XXXX Address ). When notifying Equifax, their representative XXXX found my prior information, but because my account was managed by the Fraud department because of the identify theft report. Speaking with XXXX ( Manager XXXX ), I was informed that they would not remove the address from my file without me sending him another notarized copy of my government issued identification and additional utility bills, along with a new FTC report. 

At this point, don't know how to make sure fraud is removed from my account as it seems impossible to keep incorrect information off.
Complaint sub-issue: Trouble with how payments are being handled

ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.
Complaint sub-issue: Overdrafts and overdraft fees

I opened bank of the west account with no overdraft coverage I was bait and switched I have been charged over XXXX in fees they refuse too help or refund.
Complaint sub-issue: Information belongs to someone else

The account listed below was dismissed in court, proving I don't owe the company. I did not consent for this account to be reported on my credit. 

Account Name Account Number XXXXXXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX HEY! FIX THIS XXXX NOW! 

Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information is not mine

I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.
Complaint sub-issue: Other problem

Why does Citibank not offer latest card technology tap pay contactless like many banks already have the Citi retail cards dont have this very inconvenient with covid its safer than a chip card which is what they currently only offer the Exxon Mobil card to does not have the symbol to tap to pay
Complaint sub-issue: Account status incorrect

There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Complaint sub-issue: Seized or attempted to seize your property

On Friday, XXXX XXXX, XXXX ( XXXX eastern time ), I contacted Carmax Auto Finance via phone regarding a charged off vehicle which was past due. The agent I spoke to ( who was identified as XXXX XXXX advised of possible repossession as early as XXXX XX/XX/XXXX unless payment was made, cited amount I was unable to pay ( approx {$1800.00} XXXX. I questioned agent on whether the vehicle 'could ' or 'would ' go out for repo without payment on XXXX XX/XX/XXXX. Agent stated it would be assigned for repossession on that date without payment. I escalated to seek other options, but was unable to reach an arrangement. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ) to continue negotiating, spoke with XXXX, who advised me that the vehicle was not, at that time, assigned for repossession. Based on this, I believe XXXX misrepresented Carmax 's intentions regarding repossession to coerce or intimidate an immediate payment from me. I escalated the call, and advised the next agent, XXXX, that I suspected a Carmax representative acted improperly in this manner ( via a UDAAP  violation ) and that I intended to follow through with regulatory action. XXXX acknowledged. 

I made a followup call on XXXX XX/XX/XXXX XXXX XXXX XXXX  eastern time ), and advised the agent I spoke to of what I believed to be a UDAAP violation. He spoke with his supervisor, and advised me that the issue needed to be in writing ( thus, refused to proceed via phone ). Based on that, I feel I made reasonable efforts to bring the issue to Carmax 's attention for investigation and resolution, and am escalating the issue via reporting.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back.  She was out of the office, so I spoke with another gentlemen who told me  that I never paid my home equity loan for XX/XX/XXXX.  I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online.  My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX.  He put me on hold and then came back and said that it appeared that someone had credited a different account.  I asked if this was a person or an automated process.  He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing.  XXXX said it would take a few weeks to credit my account for the amount that had been deducted.  He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded.  XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences.  I agreed that my information was correct but not with the wording of that disclaimer.  I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided.  I wrote the account number on the check.   PNC cashed it and then misappropriated the funds to another account, not my own.  XXXX instructed me to pay my home equity loan with another check to avoid furhter complications.  I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX.  I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX.  On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted.  I checked my  PNC account and it was credited for the amount of $XXXX.  The letter stated that I could call to receive further documentation of this determination.  I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account.  XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX.  On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX.  Looking at my statement I saw that on  XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary).
Complaint sub-issue: Account information incorrect

Wife and I had an auto loan that was paid in full on XX/XX/2019, lender XXXX XXXX XXXX. I have the title to the car signed off by XXXX XX/XX/2019. Equifax continues to show an outstanding balance of XXXX.This significantly lowers our credit score.We have filed disputes with Equifax four times and each time denied. The error remains on our report. I spoke to a supervisor today on the phone for over an hour and they can't fix it until their latest dispute process finishes, which might be several more weeks. ( Confirmation # XXXX ) We have spoken with our former car lender, XXXX XXXX XXXX and they again state the loan is paid in full since 2019. The other two credit bureaus have the correct information, it is only Equifax that has the error. Since we are on the east coast Equifax is most often the credit bureau used. Appreciate any assistance.
Complaint sub-issue: Information belongs to someone else

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!
Complaint sub-issue: Didn't receive advertised or promotional terms

On XXXX XXXX XXXX I opened a Citibank checking account with a credit card/debit card. I received notification of the promotion through the Citibank App. The promotion was for me to deposit {$10000.00} and utilize my credit/debit card a min of 3 times for at least {$500.00} in a 3 month period. For those transactions, I would receive XXXX XXXX XXXX XXXX points. I have never received these points. I have tried on numerous occasions to contact Citibank whereby they transfer me to multiple departments who in my last conversation sent me to XXXX XXXX who also was unable to help me.