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

Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!
Complaint sub-issue: Information belongs to someone else

I am in communication to have the following information in my file that I would like to be deleted. I am a victim of identity theft and did not make the charge.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.
Complaint sub-issue: Was not notified of investigation status or results

I feel like these accounts are adversely costing me thousands of dollars a year due to high interest payments. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recognize any of these accounts. I need this problem fixed asap I will not wait another 50 days for no response because clearly yall ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been 60 days so they should be deleted promptly.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX Account Number : XXXX
Complaint sub-issue: Problem during payment process

On XX/XX/2022 aprox XXXX I attempted to obtain my account number. My statement did not have it available, the online option did not have it available. I didn't want a replacement card and was told that was the only way to obtain the account number. I wanted to pay off my card while obtaining funds for a balance transfer. I tried to explain that by law they should provide me my account number in order to make a payment. I could answer any security question requested if they had only asked. However, I was told the only way for me to obtain my card is to order a new replacement card and I could receive it in 10 business days.

This is incorrect and there should be a means to obtain my account number so I can send them a payment.
Complaint sub-issue: Overdrafts and overdraft fees

this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape
Complaint sub-issue: Information belongs to someone else

Equifax is reporting 3 fraudulent inquiries on my credit file I didnt authorize. Equifax is also reporting a XXXX XXXX  Credit Card which shows as open. This account isnt open. The card for XXXX XXXX  was discharged in my chapter XXXX bankruptcy XX/XX/XXXX also attached. Please update that account you are incorrectly reporting. XXXX  received notification and can not collect on that debt further. 

The fraud inquiries are XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the unveified and erroneous inquiries which are being posted to my report. 

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

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I send this complaint to inform your department that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX UT XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Didnt give this company any authorization to check my score, and would like these inquiries to be removed
Complaint sub-issue: Trouble with how payments are handled

I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.
Complaint sub-issue: Can't decrease my monthly payments

I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Complaint sub-issue: Debt was result of identity theft

webcollex llc dba cks financial has refused to provide proof of debt per law! 
webcollex llc dba cks financial has refused to provide signed contract per law! 
webcollex llc dba cks financial has never provided notice of debit or followed any laws related to debt collection. 
XXXX XXXX XXXX says original debt is not theirs per - cfpb complaint XXXX-XXXX  so confirming not a valid debt and Webcollex is lying!!!!! 
Original complaint XXXX-XXXX response was not acceptable, just saying that they confirmed the debit IS NOT PROOF OF ANYTHING!!! They could NOT have confirmed debt because XXXX XXXX already confirmed the debit is not theirs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Old information reappears or never goes away

I have sent by certified mail to each : XXXX Equifax XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/202XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

showing errors on my credit report b/c of the equifax breach
Complaint sub-issue: Debt is not mine

To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX HAS FAILED TO SUPPRESS THE INACCURACIES ON MY CONSUMER REPORT AND I HAVE SENT THEM DOCUMENTATION THE FTC REPORT AS WELL AS FURTHER DOCUMENTED PROOF OF FRAUD AND THEIR INVESTIGATION WAS UNSUCCESSFUL IN DELETING THE INACCUARCIES THIS HAS CAUSE ME EXTREME AND SEVERE HARM LOST OF EMPLOYMENT AS A CONSUMER AND HAS NOT ALLOWED ME TO EXTEND MY CREDIT.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been incorrectly reporting payment history to XXXX, Equifax, XXXX, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, Equifax, XXXX, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), XXXX  has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Complaint sub-issue: Account status incorrect

Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX  XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Complaint sub-issue: Account information incorrect

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.