Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/XX/XXXX.
Complaint sub-issue: Deposits and withdrawals

I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!
Complaint sub-issue: Investigation took more than 30 days

Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from Equifax and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : Equifax XX/XX/2021 XXXX  : XX/XX/2021 XXXX  : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXXThis 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 21 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

Back in XX/XX/2020 i had XXXX XXXX i called and requested Deferred payment but unfortunately call was directed to XXXX and spoke to a representative but unfortunately the request was never put through and when i came out the hospital after month and half, i found out i had late payments on my credit history i tried reaching citi bank send they letter expelling my situation did receive any correspondence from them called them again today but didn't get any help.these late payments are effecting my life i am getting hard time from XXXX because these late payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been paying for Equifax Complete Advantage Plan monthly for a couple of years in an effort to monitor and correct errors which I knew existed on my Equifax report. The errors on my Equifax report include accounts that are not mine and several names and addresses associated with my Social Security Number which are not mine. I have attempted on at least 4 occasions over the last year to dispute the information and get them to fix the information by following their online dispute process. I have received emails indicating that the dispute investigations were complete, and that I would need to login to the Equifax site in order to review the results. But I could not access the information on the site because the security questions I am asked to complete are not associated with my records ; they are associated with the records of the people whose names are erroneously being reported on my Equifax report. The mess they have created has made it impossible to resolve the issues online. As a result, I have tried calling them to resolve the issues and have been transferred from one department to another and to another. No one at any of the departments knows how to resolve the problem and no one ever reaches out to me to try to resolve the problem. Back in XXXX of 2017, I took a day off from work to contact them by phone. After hours of trying to get to the right person, I spoke with a supervisor who assured me changes were made, but I am now paying for another service ( XXXX  XXXX ) and I can see that the erroneous names are still there. Additionally, I am now receiving pre-approved credit offers in the mail for one of the erroneous names on the report and I am concerned that someone on my report will start opening the pre-approved credit accounts and complicate my report further. This is such flagrant incompetence and/or a scam on behalf of Equifax to delay the resolution and continue to receive my monthly payment. They appear to have no interest in fixing the report. 
My next steps will be to get attorneys involved. I can not continue to waste time with their incompetence and lack of resolution.
Complaint sub-issue: Debt was result of identity theft

IC Systems - XXXX XXXX XXXX XXXX  account was not opened by me. was removed and then replaced back on my report. that's illegal. please remove. I am a victim of Identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I never received written notice about this debt. Once it appeared on my credit report I have disputed it since I have never had an account with the collection company or the original creditor. The collection company continues to verify this is accurate information. I have tried mailing certified mail to the collection company in which it keeps being returned. I have all my certified mail receipts. Upon calling today the woman informed me that THEY DO NOT OWN THE DEBT! So please explain why they are reporting a debt they do not own on my credit report. This needs to be removed from my report immediately or further action will be taken.
Complaint sub-issue: Fee problem

So over the past month or so both my interest checking and access checking accounts have been somehow overdrafting to insane portions and fees stacked high almost as soon as I get it to XXXX. Hitting my with three fees over the coming days
Complaint sub-issue: Account status incorrect

There are a bunch of hard inquiries that I did not apply for those cards or services
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'M XXXX XXXX XXXX ORIGINALLY NAMED XXXX XXXX XXXX AS WELL AS XXXX XXXX XXXX XXXX XXXX THROUGH TWO JUDGES JUDGE XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX  WITH XXXX  CASEWORKER XXXX XXXX AND XXXX XXXX XXXX SUPERVISOR ALONG WITH SUPERIORS XXXX XXXX AND OTHERS NOT CHANGING MY NAMES IN ORDER TO HELP ME AGAINST XXXX XXXX  INSTEAD INVESTORS WERE PLACED ON MY SECTION 8 DOCUMENTS ALLOWING HARM TO ME AND MY SON OVER 20YRS.  DUE TO MULTIPLE IDENTITY THIEVES FOR MULTIPLE YEARS YOU'VE HELPED ME WITH, I DO THANK YOU ALL SO MUCH DOING ALL YOU COULD ALONG WITH MY HAVING TO LEAVE MY SECTION 8 XXXX XXXX XXXX A DAY AFTER MY GRANDMOTHER'S BIRTHDAY THESE THINGS STILL REFUSE TO LEAVE ALONE.  NOW I'M TAKING THEM ALL TO COURT ALONG WITH FIDELITY INVESTMENTS.  WISH WE LUCK.  

ANYHOW.  I'M HERE TO CORRECT AND UPDATE MY MAILING ADDRESS TO ALL THREE CREDIT BUREAUS AS WELL AS REMOVE HARD INQUIRIES AS YOU ALL KNOW STILL ON MY CREDIT REPORT AFTER TWO YEARS AS A CAREER STEALING MY GRANDMOTHER'S NAME XXXX XXXX  AND USING THE QUEEN XXXX  THROUGH XXXX XXXX   SAD BUT TRUE.

I HAVE MY LETTERS WRITTEN TO EQUIFAX, XXXX  AND XXXX  FOR SOME REASON KEEPS TRYING TO MAKE ME OUT TO BE WHAT THEY WANT FOR THEIR BENEFIT AND NOT MINES TRYING TO PIN POINT ME IN THE XXXX COMMUNITY I AM NOT OF NO WAY NO HOW BUT THEY KEEP TRYING AND YOU ARE MY WITNESS.  THEY EVEN TOOK MY GOOD CREDIT SCORE TO AN ALL TIME LOW I'VE NEVER HAD IN THE 500'S.

MY ADDRESS IS CURRENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVADA XXXX.

I NO LONGER USE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX AND XXXX XXXX XXXX XXXX XXXX NEVADA XXXX.

I'VE BEEN AWAY FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX SINCE XXXX XXXX XXXX AND HAS NOT ACCEPTED SECTION 8 SINCE XXXX XXXX XXXX DOCUMENTED GIVEN BUT NOT ADHERED TO.

PLEASE HELP.  THANK YOU SO MUCH. GOD BLESS.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX an old close, settled and removed XXXX  XXXX account was Re-inserted on my Equifax Credit Report. That account was on XX/XX/XXXX and XXXX XXXX had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted XXXX XXXX concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified Equifax about the settlement via a dispute. On XX/XX/XXXX that XXXX  XXXX account was removed from my Equifax credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my Equifax credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report XXXX  XXXX has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by 75 point. and now my credit score went from VERY GOO to FAIR.
Complaint sub-issue: Information belongs to someone else

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Complaint sub-issue: Public record information inaccurate

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. I am attaching the most recent denial that states the only reason I was denied credit from XXXX was XXXX A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. 

I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. 

I have submitted a letter to Equifax in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report. This bankruptcy just recently appeared on my credit report within the last year. 

I further disagree with the risk factors Equifax is reporting on my reports : There is a bankruptcy on your credit report Lack of sufficient credit history The balance amount paid down on your open student loan accounts is too low
Complaint sub-issue: Information is missing that should be on the report

Equifax removed an authorized user tradeline from my credit report when it wasnt supposed to be removed & it dropped my credit score XXXX points. If this isnt fixed, I will be contacting my attorney because it shouldve never been touched. I have worked to get my credit score up & dont need sudden drops in my score especially when Im trying to buy a house in the next few months
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my XXXX  report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Complaint sub-issue: Other problem getting your report or credit score

Equifax 's website has been borderline inoperable. It is impossible for an individual to use their paid products in a timely manner. I have tried filing a dispute, but the website responds slowly, and occasionally it is so slow, my login times-out, requiring me to start over with what I was filing or managing. I ordered a week-long free-trial of a premium service on XX/XX/XXXX. I attempted to cancel the premium service for several hours on XX/XX/XXXX, and was finally able to on the same day.
I am unable to file a dispute, because when I go to submit disputes, I receive a 404 error page. 

In addition, I have not been able to access my free Equifax credit report for several years.
Complaint sub-issue: Account status incorrect

On XX/XX/2019, I discovered that XXXX XXXX XXXX had closed my account and reported me as "deceased" to credit monitoring agencies. I have told XXXX XXXX XXXX that I am alive and well.  I have filed disputes on the report from XXXX XXXX XXXX with Equifax, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at XXXX XXXX XXXX.
Complaint sub-issue: Reinserted previously deleted info

I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.
Complaint sub-issue: Old information reappears or never goes away

The account is close but and not mine and still on my report and I need it removed and I also have inquiries.
Complaint sub-issue: Transaction was not authorized

XX/XX/XXXX- XXXX XXXX XXXX XXXX {$1500.00} from my PNC checking account. After I disputed the transaction ; the funds were returned to my PNC checking account with no explanation of the ach error. 
XX/XX/2022- XXXX XXXX Credit Card XXXX XXXX payment amounts of {$410.00} ( {$820.00} ) from my PNC checking account.
Complaint sub-issue: Account status incorrect

equifax has XXXX as negative and i am going to dispute this.
Complaint sub-issue: Information belongs to someone else

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX Bank XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}
Complaint sub-issue: Problem with rewards from credit card

Over several years I managed to use my XXXX XXXX cash-back credit card to accumulate over XXXX redemption points ( to be translated in dollars by Citi card ) Upon my request to redeem these points, I received a check for only $ XXXX XXXX. XXXX XXXX of what it should have been. Complaints to Citi Card fell on deaf ears. No response. Can you do anything to help? ( Citi Card  now advertises XXXX XXXX cash back ) Thank You!