Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After getting a copy of my Equifax credit report ( credit report number XXXX ) I called customer services Today, XX/XX/XXXX at XXXX XXXX Pacific time to initiate a dispute for hard credit inquiries that I did not recognize : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -XXXX XXXX XXXX. 

I don't think it is unreasonable to ask for an investing since the companies have no record of the inquiries and none of these companies are listed with accounts on my credit report. It is also my responsibility to check my credit frequently for potential errors. 

I had a very confusing phone call with a super visor at Equifax that told me that it is Equifax policy not to investigate credit inquiries and that the inquiries are a fact of record. Well, what about all the credit information on my credit report? Does that mean none of the other information can't be disputed even if there is an error? I was under the impression that any information believed to be inaccurate can be disputed? I ask all this questions to the Equifax super visor and was only told that Equifax does not dispute credit inquiries. I was stunned to find out that the rules in the FCRA dont seem to apply to Equifax and that the company can set its own policies/rules for credit reporting. All this is very surprising to me coming from a company that had a data breach as recently as XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019 I disputed a bankruptcy reported on my credit file unlawfully and also without notification. Under the FCRA as a US citizen I have my rights to have this investigated properly. I received the verification letters back from the credit bureaus as the information reported on my credit file was reported correctly which is reported incorrectly after I caught the credit bureau within reporting inaccurately,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at Best Buy/Citibank. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX  on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from Citibank on XX/XX/XXXX, reported as fraud and Citibank said they would remove from bureau. Application for new account was removed by Citibank after fraud report.
Complaint sub-issue: Problem with customer service

Hello, I am submitting an Education Debt Reduction Program ( EDRP ) form through my employer the XXXX One of the requirements is that the loan servicer signs off my loan verification form to confirm my loans. 

I have submitted my form to MOHELA but they have yet to sign the form and they keep saying it is approved but there is still not signature. 

I have tried contacting them multiple times without success. 

I need them to sign this so I can start the process for loan forgiveness through my employer.
Complaint sub-issue: Not given enough info to verify debt

I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.
Complaint sub-issue: Delay in processing application

I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX  in the meantime.
Complaint sub-issue: Account information incorrect

EQUIFAX is reporting an incorrect BALANCE on my XXXX credit card and an INCORRECT CREDIT LIMIT on my XXXX credit card.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.
Complaint sub-issue: Transaction was not authorized

We bank at First Horizon bank, previously Iberiabank. 
We mailed a check # XXXX to our pest control company for {$110.00} The check cleared written to an unknown individual for {$8800.00} Called bank immediately, advised the issue, they looked at the check, saw 4 different handwritings, called it " check washing '' and was told the account is compromised and should open a new account immediately, which we complied and request a return of funds.

Tried to file a police report. In order to file one, we need to know where the check is presented. It's been over 45 days, bank has not provided any information or refund to this point other than .... 
From the bank... 
" We are only able to provide the XXXX  XXXX XXXX XXXX and that was identified as XXXX  XXXX XXXX. 

I understand that law enforcement is asking for the location of the deposit so they can route the client to the correct jurisdiction and that is why on alteration claims we have the client file a Mail Theft Report in lieu of a police report. A Mail Theft Report can file with the United States Inspection Service at XXXX. 

The client would need to tell the Agent where he mailed the check and the address of the Intended Payee it is presumed the check was stolen in transit and altered to the name on the check. '' We filed a postal complaint on XX/XX/XXXX, USPS Reference XXXX Bank response to date is nothing, no updates what so ever since first reported the first week in XXXX. 

Our business is having trouble maintaining cash flow and may result in our demise. Before calling an attorney, the news or posting on social media, I am relieved to see there are protection boards like CFPB that can assist with out getting others involved. I am hopeful to obtain status and refund as soon as possible to ensure a healthy business operation. I simply can not understand why when we give an employee a check, the bank calls us to qualify the presenter. This check clearly had multiple handwritings and if anyone looked at the electronic pictures of our other checks, they would clearly see the handwriting is not inline with the handwriting on every other check in our decade of business. This is a tremendous disappointment in the safety and security processes of our banking system.
Complaint sub-issue: Used obscene, profane, or other abusive language

Asked for verification of debt ( have been asking since 2016 ) nothing has been sent and company has called my job and gave false information to the Bureau XXXX, XXXX and XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In 2020 of XXXX I contacted US BANK and was placed on a program for covid relief so I would / my companies would not be accruing interest and with a no pay status for X amount of months. I have hundreds of hours on the phone and have made no progress with any of the banks representatives to resolve the situation. They are making it impossible. Before this I had an XXXX credit score and because of the lack of help from the bank its down to XXXX. Same scenario for multiple accounts. 

I am hung up on / disconnected calls from the bank every time. ie ; on the phone for 4-6 hours a day transferred to multiple representatives that I have to re explain the scenario to. They do not and will not do their job, or honor the promise in the programs I was placed into. 

They have all calls recorded and Im being light about saying I have over 300 hours in phone time without the bank resolving anything in the last year.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX
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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 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: Problem with fees

The account was a secured credit card for $XXXX but they are charging me $XXXX and reporting 21 charge offs to the credit reporting agencies. I have tried to contact them but they sent me a letter telling me to stop contacting them via phone or mail. Now I received a letter from a collection agency named XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX for several years have been contacting me only via XXXX mail and i have several, several times contacted them over these years to advise them, that i have never had an account in my life with XXXX. When i have called about this " debt '' in question the typical answer why they can't find me in their system is because the account is old and the records are purged. which is bogus. it's because they have no such account with any documentation from me. XXXX failed to ask XXXX XXXX the collection agency ( XXXX capital ) to provide any solid documents showing me every signing up for an account with them of any kind. Because there are not any. i unfortunately can not provide you with any dates or details as i have none. thank you so much for any assistance you can provide. I really do value my credit rating and this collection account is hurting it tremendously. Thank you.
Complaint sub-issue: Debt was discharged in bankruptcy

I have been contacted by mail from XXXX. representing National Collegiate Student Loan Trust. This os the same company that tried to collect from us back in XX/XX/XXXX At that time the company was also known as XXXX XXXX XXXX at law. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. To the best of my knowledge I nor my husband XXXX owe anything to XXXX.
Complaint sub-issue: Account information incorrect

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; Inaccurate open date. I didn't receive enough information to verify the debt.
Complaint sub-issue: Was not notified of investigation status or results

This is XXXX XXXX XXXX filing this complaint on my own behalf. I am attempting to get someone to help me AGAIN. I filed a complaint on XXXX with no response from anyone. I feel that these accounts are affecting my credit report and costing me thousands of dollars hurting my way of life. This is not like a regular dispute. I have filled a complaint with the Federal Trade Commission bc to my knowledge I do NOT recall any of these accounts. I need this problem fixed ASAP. I am trying to be patient but I can't wait another 60 days just to have my responses passed over because everyone is clearly ignoring me. I demand these accounts be deleted immediately or I will have to file for litigation due to the huge amount of stress you caused me. Section 611 ( a ). stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and no updates so now I need these items deleted promptly.
Complaint sub-issue: Received unwanted marketing or advertising

I opted - out from receiving offers, the sale/resale and the suppression of any information pertaining to me.
Complaint sub-issue: Public record information inaccurate

I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my Equifax and XXXX credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both Equifax and XXXX have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following Inquiries and Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened:XX/XX/XXXX Amount : {$18000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} CHLD SUPP VA Date Opened : XX/XX/XXXX Amount : {$46000.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

They are calling my cell phone and work number every hour to 15 minutes ...
Complaint sub-issue: Card opened as result of identity theft or fraud

I have had several attempts to open a credit card with my information. I have been able to mitigate this impact with credit monitoring. 

My complaint is why cant I require a biometric security layer for approval of a use of my credit?
Complaint sub-issue: Information belongs to someone else

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, Equifax, and XXXX ).

The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
Complaint sub-issue: Was not notified of investigation status or results

Over 90 DAYS ago, I initiated a dispute to Equifax, to investigate the ACCURACY of ALL information in the closed XXXX XXXX/XXXX Charge Account reported on my Equifax Credit Report ( See Attachment-3 pages ). I HAVE NOT RECEIVED a reply from Equifax concerning this dispute ; In fact, this disputed XXXX   XXXX/XXXX Charge Account still shows Consumer disputes-reinvestigation in progress on my Equifax Credit Report ( Refer to page 2 of Attachment ).
Complaint sub-issue: Trouble using the card to spend money in a store or online

my current unemployment benefits are being held up by US Bank due to a address change. I have verified my Identility but account still locked