Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to log into MyEquifax all this morning Wednesday, XX/XX/2019. The MyEquifax system tells me that my account is locked - to call Customer Care at XXXX. 
The first two ( 2 ) agents I talked in Customer Care of Equifax put me on hold and then cut me off. 
The third Customer Care agent sent me a link to reset my password. This did not work. He then sent me another password reset link, but said to wait 30 minutes and reset the password. 
I waited more than 30 minutes and the MyEquifax system took the password change again, but then said my account is locked. It said to call Customer Care.

The 4th Customer Care agent sent me another password reset link and said wait 30 minutes to use it. I waited an hour, reset my password and tried to log in. The MyEquifax system said my account is locked and to call Customer Care. 
The 5th agent in Customer Care hung up on me after about 10 seconds.

I tried talking to a different Equifax agent in another department ( new identity protection products ), who tried to help me, but eventually the Equifax phone system cut me off after about 30 minutes of discussion. Before I was cut off, this agent said he needed to try to find other technicians to help me.

When I was trying to get help on this matter, after being disconnected numerous times, I saw that I can send an email of my issue. The Equifax system has taken my complaint and assigned Case # XXXX. 

As of this time, no rep from Equifax has tried to call me on this matter. All I have is a system complaint response and the experience of being hung up on and disconnected by their agents numerous times. 

As of this morning, XX/XX/2019, I can not log into my account at Equifax the MyEquifax system. Being told by Equifax that my personal information was already compromised in the Equifax hack of several years ago, I need to review my data and information that they have in response to their email sent to me on XX/XX/2019. 

I need help from someone to get this critical matter corrected at Equifax.
Complaint sub-issue: Information belongs to someone else

There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!
Complaint sub-issue: Account information incorrect

CFPB team, SST/XXXX XXXX Please remove the account SST/XXXX  for failing to provide the original signed the consumer contract per section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. I have requested the signed original contract They have not sent me anything with my signature instead they have mailed me account statements which do not constitute as the signed consumer contract yet this company continues to violate my consumer rights. Please delete the account immediately.
Complaint sub-issue: Information belongs to someone else

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Up on the date XX/XX/2021 I contacted XXXX to try to confirm why my finances were suspended from me for my safety when I finally got in contact with customer service they then told me I would have to upload documents proving I was who I say I was to confirm my account suspension after uploading every document of verification that I could possibly and uploading screenshot myself personally I was told that it wasn't enough verification so I continue to call an email email and call until finally I started researching in Reading the term an agreement onto researching on the web other ways to get into my account funds that research led me to emailing you guys for help to free up how to get unsuspended to me almost XXXX XXXX to be exact XXXX XXXX in something around about that amount
Complaint sub-issue: Information belongs to someone else

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance of the fair credit reporting act this creditor has violated my rights u see 15usc1681 section602 states I have a right to privacy 15usc1681 sec 604 a sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under an open an consumer plan as late for any purpose XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to get corrected
Complaint sub-issue: Need information about your loan balance or loan terms

My loans were transferred from XXXX XXXX to MOHELA on XX/XX/2022. Firstly, based upon information on the transfer page of their website, my account information should have been accurate as of XX/XX/2022 ( see attached document entitled " Servicer Transfer Status XXXX '' ). Secondly, based upon information previously viewable on my account page, my account information should have been accurate by no later than XX/XX/2022. Thirdly, based upon the explanation of the timeline of transfer, my account information should be visible ( see attached document " Welcome - Transfer to MOHELA '' ). Unfortunately, as of XX/XX/2022, my account information is currently inaccurate, showing good standing but a balance of {$0.00} ( see attached document " Mohela Account Home XXXX '' ). As I have not completely paid off my loans, my balance should not reflect {$0.00} and this information is incorrect. As a result, I attempted to call MOHELA on XX/XX/2022 about this discrepancy but the automated system informed me that they had no information about my account. Similarly, I can view no detailed information in my online account ( see attached document " Loan Detail Information MOHELA XXXX '' ). I do not understand why I am still unable to view accurate account information after being informed that my account should be up to date as of yesterday.
Complaint sub-issue: Debt was paid

I paid off an Afni XXXX account XX/XX/XXXX the original dedt XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

AFNI XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. ZERO BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY CONSUMERXXXX : XXXX : ACCT INFO DISPUTED MEETS FCRAXXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTXXXX : XXXX MAY SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
Complaint sub-issue: Their investigation did not fix an error on your report

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX acct XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT
Complaint sub-issue: Information belongs to someone else

I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.
Complaint sub-issue: Information belongs to someone else

I'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Please see a copy of my letter to Citi that has been attached. It is dated XX/XX/2019. As of XX/XX/2019, Citi has not responded. It has been five weeks, and Citi has ignored my letter.
Complaint sub-issue: Information belongs to someone else

Factual Data XXXX, CO XXXX XXXX XXXX XXXX XXXX My credit was check with out my permission by this company. It put a hard inquiry on my score. What is going on here?
Complaint sub-issue: Information belongs to someone else

Ny name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.
Complaint sub-issue: Didn't receive terms that were advertised

This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.
Complaint sub-issue: Account information incorrect

Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
Complaint sub-issue: Old information reappears or never goes away

Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.
Complaint sub-issue: Information belongs to someone else

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Complaint sub-issue: Account information incorrect

I have contacted Jefferson Capital Systems many times. The account is completely incorrect. Account is listed as open when it should be closed. Incorrect dollar amount. Company refuses to send any documents of proof to me. XXXX customer service reps who refuse to be of any real help. The 3 credit agencies claim they have investigated, but everything remains the same on my credit report. Please help my get this account removed asap. Thanks.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Complaint sub-issue: Debt is not yours

Debt assigned XX/XX/XXXX collection reported XX/XX/XXXX, I noticed this debt on my credit report, and I immediately reached out to the creditor, to let hem know that this debt was not mines, they told me that the the debt was paid collection, I asked them to remove it, although it was paid I was not responsible for his debt I was XXXX at the time of this debt, and that didnt make a payment to settle, because I wold of disputed the charges, next I was bombarded with letters from the creditor, and the credit bureau
Complaint sub-issue: Attempted to collect wrong amount

There is a debt reporting on my credit file from a company that indicated I owed money. This is not correct. When I lived in the apartment complex they indicated that I could use my own refrigerator and they removed the one that actually came with the apartment. When I moved out I did take my refrigerator and they are trying to charge me for my own appliance! They had possession of the one that was initially in the apartment and they agreed to me using my own. There is no money owed to that company. This is unacceptable.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX
Complaint sub-issue: Not given enough info to verify debt

I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.