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

Since early XXXX when I read about the Equifax security breach I have been trying to sign up for the free credit monitoring service offered by Equifax. Early attempts did not allow me to access the web site. Since that time I have called many times. Too many to recall, but now I have started to email my complaints to Equifax. Their website indicates my information was compromised, so I tried to enroll for credit protection from their promised services. I have made five attempts to date by phone, the last phone call was about 30 minutes ago to XXXX. Each time I get to the question of last four numbers of social security and date of birth, their system indicates information does not match. I called Equifax at XXXX on XXXX/XXXX/XXXX. A woman gave her name as XXXX and she laughed at me when I gave her my information. I immediately called back and requested a supervisor, a man answered and said no supervisors are available but he would take my information and someone would get back to me. No one called back. I complained by email to Equifax customer care at XXXXXXXXXXXX at XXXX on XXXX/XXXX/XXXX. Sent another email at XXXX on XXXX/XXXX/XXXX. Called again on XXXX/XXXX/XXXX and was told to wait 24 to 48 hours to reset password, Tried to log in today and was shown on screen password reset expired.Just now a man from XXXX told me he is from Equifax and XXXX XXXX and he told me I have to send a copy of my social security card and a copy of my drivers license to a yet determined address. He said they have to prove my identity first. I continue to get the run around from Equifax so I need your help to get to the bottom of this fiasco. This fiasco is my personal credit report and my ability to obtain credit.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. There's no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : 15. XXXX Date of Inquiry XX/XX/2020 16. XXXX Date of Inquiry XX/XX/2020
Complaint sub-issue: Trouble with how payments are handled

I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX check, XXXX # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, XXXX # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Personal information incorrect

Another name is reporting on my credit report. 

XXXX XXXX XXXX I notice that there is more than one address reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchase some open box merchandise from BestBuy. Merchandise was labeled as includes everything except the manual. When I got it home it was missing all of the mounting hardware. Attempted to return merchandise but I was informed they do not do returns on functioning items for missing parts. Parts that are missing are needed for installation though. When I returned to the store they had several other open boxes of the same items and I suggested they just pull the missing items from another one and relabel that one as missing items. They said they could not do that and that I could only bring back a non functioning device. It seemed like he was telling me to go home and break the item then return it but this seemed dishonest. I just wanted the mounting hardware. 

Filed a dispute with Citi Bank which had no activity for over two months. I called to complain and within a week was told the dispute was closed and I would have to refer to the store policy on returning merchandise. I provided the receipt that clearly showed that nothing but the manual was missing.
Complaint sub-issue: Reinserted previously deleted info

Equifax keeps reinserting wrong addresses that was previously deleted after I spoke with several different representatives and was giving a confirmation number. I even sent them information via mail. The addresses was deleted months ago and within the pass two months have been reinserted.
Complaint sub-issue: Their investigation did not fix an error on your report

I am an Identity Theft victim and I disputed a medical bill that is not mine and asked them to validate the account. I sent in my ID and other pertinent documents. After awhile they came back with " the disputed account is not reporting on the Equifax credit file ''. So What is the account on my report then? Since it is not mine I don't know the amount or date or anything. 
I want them to verify the account that is on my credit report for XXXX XXXX is mine and when they find out it is not I want them to remove it from my credit file. 
AND The event happened more than 7 years ago and should be removed from anybody 's credit file : Under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed and according to the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Previous complaint ID : XXXX submitted XX/XX/18. 
Please help me to resolve this issue.
Complaint sub-issue: Reinserted previously deleted info

Unauthorized inquiries causing hard hits
Complaint sub-issue: Account information incorrect

XX/XX/XXXX Hello Equifax, Recently I viewed a copy of my credit report and noticed an error. I actually disputed this in the past and was under the impression that it would be removed from my credit report. I am certain that this account 's error is adversely damaging my credit reputation and costing me too much time and money every year.

Below is the account that I have identified and want to have removed. 
XXXX XXXXXXXX My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I want this account to be removed from all current and future credit reports. 

Also, I would appreciate it if you could forward me the information of any individuals and/or organizations you reached out to so I can follow up with them on my end if need be. 

I believe that 30 days will be plenty of time for your company to investigate this account. 

If I am correct on Section 611 ( a ), it is plainly stated that the failure to investigate this account within a 30 days time frame constitutes a reason to remove this item from my credit report.
Complaint sub-issue: Information belongs to someone else

Upon pulling my credit report I noticed that there is a XXXX XXXX XXXX account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with XXXX/XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.
Complaint sub-issue: Transaction was not authorized

Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. 
Numerous calls to US Bank Fraud Department with many promises and no results.
Complaint sub-issue: Their investigation did not fix an error on your report

Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my Equifax consumer credit report and am disputing some hard inquiries that need to be deleted. I have listed the account, the opening date, and account number when possible on the attached file.
Complaint sub-issue: Don't agree with fees charged

In short, MyFedLoans changed their policy regarding applying for Income Based Repayment this year. They began requiring non-borrower information and tax returns. Further, they did n't train their representatives well on how to explain the new policy to customers, and then capitalized THOUSANDS of dollars of interest increasing the total amount that is daily compounding interest on the loan. I know that this is not just my situation, but that of tens of thousands of borrowers. They have also refused to answer correspondence though I have called over 10 times and submitted online complaints 5 times. This will add over 2 years to my repayment and takes me back to square one. It is also in direct violation of the Student Loan Borrower Repayment Rights in several key areas. I have never fallen behind, thankfully, but instead of them processing my paperwork, they also forced me into forbearance for another two months while they figured out my paperwork, resulting in even more interest to be capitalized. Ultimately, my paperwork was accepted and my student loan payment went DOWN, but this is very demoralizing to student borrowers and will keep them in repayment for far, far longer than is reasonably necessary ( for those who have the desire to actually pay off their debt ). And, for those who can not reasonably expect to, it will increase the amount of their tax liability when the remaining debt is discharged. This is unethical, immoral, and simply counter to established loan servicing guidelines.
Complaint sub-issue: Information belongs to someone else

i was the victim of identity theft and i filed an identity theft report. this message is for transunion and equifax. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/ XXXX/ Equifax, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX Equifax Removed this Collection but as of XX/XX/XXXX Equifax has indicated the account has begin to report to Equifax once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
Complaint sub-issue: Public record information inaccurate

I sent a personal letter to Equifax to review my file for bankruptcy  XXXX . I advised them that the information was incorrect and asked that they verify for correctness. I received a letter f rom Equifax statin g that they verified this information from  XXXX . I also sent another letter stating that  XXXX  sent me a letter stating that I have a Security Freeze on my file that is kept under my personal social security number. I sent them ( Equifax ) confirmation of this letter stating that my   XXXX   account is indeed frozen and it is not true that they verified anything. I called  XXXX  as well and spoke to a representative and she verified that the information Equifax provided me is most definitely inaccurate. I am very bothered that Equifax would willingly report this inaccurate information on my credit file. At no time have I authorized  XXXX  to release any information pertaining to myself to allegedly " verify '' anything. I have not been subpoenaed by any courts to release any information pertaining to myself either. However, no one has a sworn testimony to verifying this information. Confirmation of correctness, truth or authority of a pleading, account or other paper by an affidavit, oath or disposition.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . ; and   XXXX   XXXX   XXXX   XXXX   XXXX  . ( c.c )   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  .
Complaint sub-issue: Report improperly shared by CRC

THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.
Complaint sub-issue: Was not notified of investigation status or results

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person hands.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 an account without my written instructions
Complaint sub-issue: Debt was paid

XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. 

After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. 

With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. 

I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. 

I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. 

Thanks XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under CBNA, which after many phone calls, I found out it was CitiBank. I called them and was told I would have to call XXXX, which I did and then was told Citibank should be helping me. Being somewhat frustrated, I talked to a fraud expert at Citibank who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.
Complaint sub-issue: Overdrafts and overdraft fees

My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX  and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX  and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help me
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. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please Delete this account.