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

Equifax mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX XXXX pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.
Complaint sub-issue: Information belongs to someone else

First off, back in XX/XX/2014 it says about 3 different credit card accounts were opened using my name, social security number. One of which is still not paid off and has put me in credit debt and ruined my credit before I even turned XXXX, which Im still trying to fix! Additionally, I had to submit a background check for the college of my choosing - and I just saw some incorrect information on there which I know could just be a mistake in the system Like it said but because I have the issue of the unknown credit accounts opened in my name, I dont want to take any chances. I am reaching out to you for help potentially to fix this mess before more of my personal information gets stolen or anything else happens. Thank you for the time.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Complaint sub-issue: Problem with rewards from credit card

The company, Citibank, has already reimbursed the money I felt owed. The purpose of this complaint is to report a practice that should be illegal. 

I have had a Citibank Double Cash card for many years. I am supposed to receive 2 % cash back on purchases. A few months ago, my cash rewards began to appear as " Thank You Points. '' I called Citibank to ask for an explanation. They explained that each point is worth XXXX cent. On several occasions, I have redeemed some of my points toward a statement credit, and they have indeed counted each point as XXXX cent. 

Today, I purchased a {$60.00} gift card on XXXX. I noticed that there was an option to use Citibank Thank You Points. I entered {$60.00} and made the purchase. I soon got an email confirmation from Citibank saying that I had used XXXX Thank You Points. This is equivalent to {$75.00} -- a 25 % markup from the {$60.00} I thought I was paying. 

The fact that Citibank charges a 25 % fee to use Thank You Points is not explained anywhere on their website. ( I could have simply paid with my Double Cash Card and then redeemed the points for a statement credit with no 25 % additional charge. ) I called Citibank and asked where the 25 % additional charge appears on their website. The agent put me on hold for a long time and came back and explained that this information is NOT on their website. She said it was in the terms and conditions I received when I received my Double Cash card. However, I received my Double Cash card many years ago when there were no Thank You Points. 

This seems to me to be an unethical trick that ought to be illegal. It should have been clearly explained that using Thank You Points for purchases incurs a 25 % fee. Surely no one would use Thank You points for purchases if they knew about the additional 25 % charge, since they could simply redeem their points for a statement credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MECHANICS BANK AUTO XXXX XXXX Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Attempted to collect wrong amount

Equifax is reporting an account with XXXX XXXX which is not correct. I was in the military at the time and contacted XXXX and sent them my orders showing I was being XXXX  and to place my services on hold. At the time they agreed to do so just as the other utility companies had done. I was XXXX   XX/XX/2014 and returned XX/XX/2014 when I returned I was told that the services were never placed on hold as they had agreed. They indicated that I owed money before I would be able to have my services reactivated that it there services were terminated due to no payment. Again I had spoken to them and sent them my orders showing I was being XXXX   and they agreed to place on hold for which they did not.
Complaint sub-issue: Information is not mine

This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Complaint sub-issue: Information belongs to someone else

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

I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....
Complaint sub-issue: Information belongs to someone else

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
Complaint sub-issue: Frequent or repeated calls

I have been receiving phone calls from Conns home plus every day. They call every hour from XXXX XXXX to XXXX XXXX. I have told them several times to stop calling me so often. I have tried in the past to block the number but they keep calling from different numbers. Now I just ignore the phone call but they still call every hour. I have told them before that I was not working and was unable to pay but that has not stopped them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the 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 and consumer credit plan as late for and purpose
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. 
I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection Act.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX my credit score was XXXX, this is a testimony that I am a very repsonsible person. My student loan was on a deferment plan with Nelnet ( Student loan servicer ) from XX/XX/XXXX. The deferment plan postpone repayment of my stduent loan for a designated period. Nelnet would send an email reminder to renew the deferment plan. However during Summer of XX/XX/XXXX I lost my cell phone, and with the new cell phone I was unable to retrieve any forms of email. In XXXX I noticed my credit score dropped from XXXX down to XXXX, I've lost 147 points. After doing a couple of research, Nelnet told me they reported me " delinquent '' for not making payments to my student loan. I told the representative I did not have a payment plan only a deferment plan, and why is that I have to loose 147 points?? Nelnet told me they sent reminders, unfortnately I did not recieve them. XXXX tech support advised me of some issues and some of my mails went straight to my junk file. 
Moving forward, In XX/XX/XXXX I setup a payment plan for auto payment from my checking account. 
All I am requesting for Nelnet to do is to reduce the points lost from my credit score instead of 147 points. This does not make sense, were XXXX  students trying to make it in the workforce. As a XXXX, were not running from our responsibilities, deferment on loans gives us some wiggle room to get our lives together. And a bad credit score will never help us .My creditscore of XXXX is a testimony that I make my credit card payments on time. This lost has caused my credit card limit to drop severly. I have XXXX children and I can not support them on bad credit, I've worked VERY hard to maintain a high credit score.

Please, I need any assistence in gaining back some of my credit score points. 
thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

under my credit report it shows negative as XXXX I PAYED XXXX OFF AND IT SHOWS A XXXX BALANCE UNDER MY REPORT BUT IT IS POTENTIALLY NEGATIVE BECAUSE IT SHOWS 2 LATE PAYMENTS BUT HAS A XXXX BALANCE. I HAVE CONTACTED XXXX AND THEY SENT PAPERS IN SHOWING ME OWING A XXXX BALANCE BUT IT DID NOT HELP. THEY HAVE ME CHARGED WHEN ITS SHOWING PAYED OFF AS AGREED. I CONTACTED THEM AND THEY DIDN'T FIX THE ISSUE THEY JUST SAID THAT IT NEEDED TO BE DISCUSSED AND THEY DID NOT FIX THE ISSUE THAT IS AT HAND. IT HAS EXCEDDED THE AMOUNT OF TIME A CREDIT OR CHARGE CARD STAYS ONTO YOUR REPORT IT WAS OPENED IN XX/XX/2014 WHICH HAS EXCEDDED THE 7 YEAR CREDIT MARK FOR IT TO BE ONTO MY ACCOUNT. IT SHOULD HAVE BEEN REMOVED WHEN IT PASTED 7 YEARS ONTO MY REPORT. THEY WANT REMOVE IT NO MATTER WHAT HAPPENS
Complaint sub-issue: Frequent or repeated calls

I told them to stop calling and to use only mail. And yet I get 7 calls a day every day.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/XXXX I called Equifax to have them take 1 account out of dispute. I called back the XXXX to see the status of my request and I was told that all disputes were pulled. I spoke to a manager and he told me that the employee made a mistake and that it would take 5-7 business days to fix the disputes and then an additional 5-7 business days to remove the dispute remark if it was still on their. This is keeping me from closing on my house and Im being told nothing can be done to expedite the fix and that its the system. I asked for a simple request and its all screwed up.
Complaint sub-issue: Investigation took more than 30 days

I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO ACCOUNTS THAT DONT THAT BELONG TO ME
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.
Complaint sub-issue: Problem with personal statement of dispute

To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX  repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Complaint sub-issue: Information belongs to someone else

fraduelnt account opened XX/XX/2011 XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.