Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

For the past month and some change, Ive been going to WAR with Equifax. I had a ton of inquiries that I truly didnt authorize. I sent a verification letter ; came back verified. Called Equifax to see what all I can do to get these removed they told me I had to call the creditors to request a Letter of Deletion. I called each creditor. Theyre telling me they have no record of my name in their system and stated they cant generate a Letter of Deletion to send to Equifax. Called Equifax back and stated that Ive done what theyve told me but the creditors arent budging. Sent a letter requesting the Method of Verification and requested specific DETAILS of their investigation ; results came back verified AGAIN!!! At this point, Im livid. I started becoming more aggressive, calling back-to-back, no support ... .no nothing! I had lack of support during this tedious process. I feel violated and compromised as well as devalued as a consumer! Below are the inquires I do not recognize : 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: Account status incorrect

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on Equifax -Dispute remark missing
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX sent Equifax a request of a dispute on an item over my credit report That dose not belong to me. and Equifax kept sending leters stating XXXX XXXX inquiry is a factual record of who accessed your credit file ) I called Equifax. and after I was on hold for XXXX hours finaly someone answers and says to me the same thing. 
XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX was a factual record of who accessed my credit file. 

EQUIFAX does not want to investigate and show me proof that its mine. I have never applied for a mortgage loan or a loan or done business with XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) Ref # XXXX. im asking you CFPB to help me fix my problem. as im not going to stop fighting this problem I have until its fixed. 

My name is XXXX XXXX XXXX contact phone number is XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all inaccurate information on my credit report with Equifax.
Complaint sub-issue: Public record

I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Problem with customer service

On XX/XX/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.
Complaint sub-issue: Reporting company used your report improperly

Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has been reporting on my credit profile to collect a debt that is not my debt I have sent several dispute action to Equifax XXXX and XXXX regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX back in XXXX they mailed me a letter to fill out a ftc.gov form affidavit I filled that out I mailed it is still appear that it is showing a closed account That has not been removed as a fraudulent activity on my credit report. On the Equifax and also XXXX, it appears that it was removed as I show documents and then it appears it is show back up on my credit report and I am reporting the inaccurate fraudulent activity that is reporting on my credit report. The account XXXX XXXX does not belong to me. As I have attached documents and mailed out several letters I have tracking receipts and I have mail certified letters sent to the bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, XXXX XXXX XXXX applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. XXXX XXXX notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with Equifax. ( See attached ). Equifax completed its investigation on XX/XX/2019 and states that XXXX XXXX verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from XXXX XXXX and live online access to my XXXX XXXX account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!
Complaint sub-issue: Account information incorrect

I have placed disputes in regards to my payment with Equifax about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that Equifax is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.
Complaint sub-issue: Debt is not yours

MCU has left numerous electronic messages stating I am delinquent or past due on this account. I have never dealt with, had any business association, personally or otherwise. I have asked them to cease any and all communication, as recently as approximately XX/XX/2021. I continue to receive correspondence.
Complaint sub-issue: Problem getting your free annual credit report

EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax, XXXX, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX  XXXX  XXXX   allowed to be opened in my name as a result of identity theft. I have told XXXX  l, XXXX, and Equifax that the original account from XXXX was fraudulent and that the collection that XXXX placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, XXXX, and Equifax a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my XXXX complaint that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Complaint sub-issue: Problem during payment process

The Credit Card At requires issuers to apply the excess payment portion of your credit card payment. After that, the remainder generally must be applied to the other balances in descending order, based on applicable annual percentage rate, according to the law. This is not how PNC is handling its credit card payments. PNC states in its account terms that it applies balances to purchases based on its sole discretion. I currently have 3 separate balance transfers tied to one card, each with different end dates. One promotional period ends XX/XX/XXXX, the next XX/XX/XXXX, and the remaining balance transfer promotion period ends XX/XX/XXXX. My XXXX Statement showed a balance of around {$400.00} on the oldest balance transfer due by XX/XX/XXXX. I paid {$900.00} that month and instead of applying the payment towards that oldest balance PNC is applying to the balance transfer due much later in an attempt to still charge interest on the initial balance transfer once it ends. From my understanding the payment should be applied towards the original balance transfer amount and not the newer balance transfer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent multiple letters to Equifax disputing things on my credit report and have not received anything from them about results.
Complaint sub-issue: Company closed your account

I received a series of letters from XXXX XXXX, Account Review Manager at US Bank indicating that they have selected to closed my personal and business credit cards. They have provided no reason for such an action. I have reached out to the company and their response is that they have the right to do so. 
I have asked for reasoning and rationale, and they have provided none. As they have cited XXXX separate accounts in a single review, referenced XXXX, the decision is not based on the activities of the account and the banking process, but related to the common point which is the owner of all accounts. As these series of actions is targeting me personally, I believe their action is racially motivated and is individually targeting me. In their letter they are referring to their Terms and Conditions, which allows them to close accounts for no reason. Though the Terms and Conditions allow for closing accounts for no reason, it does not allow them to close accounts for a reason and not provide that reason to the consumer. They are hiding behind their unjust Terms and Conditions that allows them to not provide any justification for their action, therefore, hiding behind the truth that their actions are unconstitutional. 
I like to have someone with legal authority look in to their action as I suspect there is an underlying company process that may unjustly affect many consumers.

I have had a personal and business banking relationship with US Bank for over 30 years. If they are closing a 30 year relationship without providing a reason, it must be because they feel that providing the reason for selecting me would jeopardies their company and give me justification for legal action. Those who have nothing to hide, do not hide behind their bogus Terms and Conditions.
Complaint sub-issue: Problem with statement of dispute

Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I suppose to be charged {$550.00}, but a merchant ( night club & karaoke ) charged me twice of {$550.00}. I filed a claim to my credit card company but they said they are unable to assist me in resolving my dispute since merchant provide a sales receipts. 
1. I did not see the receipt that night. 
2. I did not sign the credit card receipts and this is my signature ( credit card company knows this is not my signature, but they said it is not a matter ) 3. I was trying to resolve this dispute with merchant, but they have not responded. 
4. Cardmember services refuse to further assist me because VISA does not allow to investigate this case since merchant provide a receipt.
Complaint sub-issue: Trouble getting information about the card

Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.
Complaint sub-issue: Talked to a third-party about your debt

After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX XXXX XXXX collection account with XXXX XXXX, Equifax, and XXXX. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX