Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!
Complaint sub-issue: Information belongs to someone else

I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
Complaint sub-issue: Problem getting your free annual credit report

For several years I have not been able to cash a check in my name even though i give the correct SS. I have tried for three years now XXXX to check my credit score through credit karma, XXXX  XXXX, and XXXX, and every time i fill out the information regarding me it asks about accounts being opened in my name which i have never opened. And when i put none, as in i have no recollection of opening the accounts, it says that my identity can not be verified. And i know for a fact i have never opened up anything in my name because i just got my first apartment in 2020. When i have also put forgot username or password on one of those sites it had email that was not mine, XXXX, and mine is XXXX that was linked up to one of the accounts. So i do believe there is someone who has opened up accounts in my name.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.
Complaint sub-issue: Problem making or receiving payments

Unable to link account to verified third party accounts due to PNC blocking access
Complaint sub-issue: Their investigation did not fix an error on your report

I have already submitted the FTC report to you and you removed the item but its back on my report. Please review your records. # FTC XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Credit Card refuses to dispute charges From XX/XX/2021. One in the amount of XXXX with XXXX and an additional amount of XXXX placed by XXXX. The merchants agreed to approve the dispute but creditor did nothing.
Complaint sub-issue: Account status

XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.
Complaint sub-issue: Account status incorrect

I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
Complaint sub-issue: Frequent or repeated calls

I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record information inaccurate

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit report showed a mortgage lender looked at my Equifax credit report without my consent
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/ XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after theXX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Complaint sub-issue: Account information incorrect

inaccurate information reporting on my credit report file.
Complaint sub-issue: Investigation took more than 30 days

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 u.s.c 1681 section 602 a. states i have the right to privacy.

15 u.s.c 1661 section 604 a section 2 : it also states a consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here is my cerified tracking number
Complaint sub-issue: Debt is not yours

This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX   XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.
Complaint sub-issue: Account information incorrect

Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX  which they sent to discover and still did not change the late times on the report.
Complaint sub-issue: Information belongs to someone else

Back in XXXX I found out that I had a student loan on my credit report. I tried to handle it back in XXXX a few times not knowing the correct way of handling it. I didn't get the results I wanted and was basically being forced to pay something I never requested or took out. Once I got into learning and understanding my credit and how it works I reached back out in XXXX they took a while to reply back. Once they replied back, it's been a lot of back and forth between the student loan people and I. They had my information like name, gender, dates and they even had two different amounts for this one account. I have sent multiple dispute letters and they only replied to one dispute letter and with the wrong information and two different amounts. They still trying to force me to pay and give me a hard time of fixing this problem.
Complaint sub-issue: Other problem getting your report or credit score

Equifax continues to report I am Deceased, after receiving correct information from XXXX  XXXX XXXX. 
I have 2 recent disputes with Equifax. 
When Equifax completes the disputes and indicate COMPLETED. Equifax continues to show I am Deceased. 
XXXX  XXXX XXXX sent Equifax a letter of Correction on XX/XX/2021. 
I am unable to get a home mortgage because my Credit Score is not available from Equifax.
Complaint sub-issue: Other problem

Received an email fon XX/XX/2022 rom Best Buy stating " As requested '' we are sending you a new credit card. SInce I never requested a new card I was concerned and had to contact customer service to verify that there was not fraudulent activity on this account. The customer service person confirmed that they were in fact sending on a new card. ( still not sure why? ) Regardless that whole interaction was a waste of time since if they had disclosed this in the email that a new card was being sent ( and a reason? ) I wouldn't have been concerned and called customer service. Clearly in this day and age even the suggestion of irreguar activity on a credit card is a red flag and should never have happened.
Complaint sub-issue: No notice of investigation status/result

XXXX/XXXX/2015 ... I called Equifax and explained that XXXX XXXX XXXX is illegally re-aging the debt on my credit report. I explained that I am a subscriber to their " Equifax Complete Premier Plan ''. So, I am able to review my credit report as often as needed. I explained that on my Equifax report dated XX/XX/XXXX XXXX XXXX XXXX reported the date of XXXX delinquency as XXXX ( report # XXXX ). The item had been removed off my report. On XX/XX/XXXX I pulled my Equifax report and discovered that XXXX XXXX XXXX was put back on my report. They were now reporting the date of XXXX delinquency as XXXX ( report # XXXX XXXX. I explained to a rep and then Supervisor " XXXX '' ( Agent # XXXX ) that I wanted to dispute this because it was an illegal act. XXXX STATED that collection agencies can legally do this. She stated collection agencies can re-accounts in perpetuity. This statement is false. Re-aging debt is called zombie debt and it is illegal. The " supervisors '' and representatives need to be cautioned against giving bogus imformation. I would really like to have this investigated.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a phone call from XXXX today, XXXX @ XXXX. The call was a XXXX, and it disconnected without any opportunity to speak to anyone. Through internet research, I discovered that this number is for XXXX, the collections XXXX XXXX XXXX. A medical debt collection 's agency. Their web site is http : XXXX 

This is the thing though. The call was a XXXX and I never had the opportunity to write down anything before they disconnected. In addition, I have never received any written correspondence from this company delineating the debt, nor any correspondence outlining my rights to dispute. 

In addition, I have had this cell phone for only 60 days, and no medical bureau with a debt that is old enough to reach a collection 's status would have this number. And as far as I know, I have no legitimate medical obligation.
Complaint sub-issue: Problem accessing account

Tried to link my account with a lender and they rejected my right to link my account so I could receive funds.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, testify that I have been a victim of identity theft, accounts have been opened in my name that do not belong to me for a long time, even my personal information was exposed with the Equifax Data Breach and since then I have been affected with my credit record in what Personally, emotionally and financially, I accuse the Equifax credit agency because I have sent them the documents required for the immediate removal of these fraudulent accounts and they have not done anything, they refuse with excuses and excuses and it is their fault that I continue to be affected with my credit report. they are the only ones who do not do their job and make everything difficult with XXXX and XXXX I have no problems they have eliminated without any problem that erroneous information that does not belong to me I am already tired Equifax are the worst agency I have seen in my life and have terrible customer service
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have owned my home since 2014 and the mortgage has been paid in full. XXXX, XXXX and Equifax is still reporting on my credit report a balance from of XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Didn't receive terms that were advertised

Hello, I opened Citibank Account Package on XX/XX/2018 by clicking their bonus link ( attached 1 ). The offer stated to Receive a sign up bonus of {$300.00} when you open a new Citibank Account Package and transfer {$15000.00} to the new checking account within 30 days and maintain for 60 days. The bonus should be posted within another 90 days. 

I confirmed the bonus term with chatting onXX/XX/2018 ( attached 2 ), and completed the transfer on XX/XX/2018 ( attached 3 ). I confirmed that I met the requirement by calling Citibank on XX/XX/XXXX, and was told the bonus will be posted by XXXX ( confirmation code XXXX ). But I received 3 emails on XX/XX/XXXX, XXXX, and XXXX from Citi, saying I enrolled in Citibank {$50.00} to {$700.00} Checking Offer ( " Offer '' ), but have not fulfilled the Offer 's required activities for the following reason : The offer requirements were not completed within offer period. 

I XXXX  this different offer ( attached 4 ). Apparently, this is not the offer I signed up, and the system messed up with my offer and this offer, and determined not to post the bonus. Theres even no explanation on which requirements were not completed. 

I chatted online with a Citibank agent, XXXX on XXXX ( attached 5 ). Initially he admitted that I met the requirement of {$300.00} and he will find out why its not posted. When I told him about the email regarding a different offer, he said they are the same offer. But he could not explain which requirements were not completed. He said he will ask someone to look into this and reply me within 7 days ( Citibank Service Request # XXXX, Reference : XXXX ). 

Now its been half a year since the transfer of the money, and 10 days since I last contact with Citi. No bonus posted, no reply, no explanation. 

Please Citibank, honor the offer you provided. 

Thanks,
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2019 I deposited {$580.00} cash at the ATM at US Bank and the ATM took all of my money and didnt deposit any of it to my account so I called the number the ATM gave me on my receipt and they said it could take up to 45 days to get my money back and then I went into the bank the following day XX/XX/XXXX and they said it could be 10 days before I get my cash and that they couldnt tell me when the ATM auditor was going to balance the machine or when I was going to see my money but I really need that money a lot sooner than this and no one was really helpful to my situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I was taken advantage of, while several laws were being broken under the FCRA by EQUIFAX. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. 
I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. 
I believe this is a scam so I cancelled my card I gave her.