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

Equifax is deliberately stalling and refusing to address the disputes I have sent by certified mail on XX/XX/2019. I have received multiple notices stating that I need to verify my address and they have provided an address that doesnt match my profile or what I included in the dispute. I have sent a copy of my social security card and drivers license which shows the correct address on there and they are still refusing to look into my disputes. The correct address was also included on the letter and Equifax provided me an address that wasn't even on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX and Equifax have both invalidated information due to identity theft that they have claimed to have verified on my report. For XXXX it is XXXX and for Equifax it is XXXX XXXX XXXX for a XXXX XXXX I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019, Equifax received request to investigate accounts reporting to my credit report that are inaccurate and do not belong to me. I informed Equifax to investigate and delete the following accounts. 
1. XXXX XXXX, Acct # XXXX delete this account 2. XXXX - Acct # XXXX xx - reporting as a charge off and late 3.  XXXX Acct # XXXX xx. reporting as a charge off and late * Additionally, Equifax should know that I have OPTED-OUT of the class action settlement they are trying to scam every American into accepting. I Opted-Out because I fullly into to file a separate lawsuit against them for hundreds of thousands in damages they have cause me. 

As for the accounts listed above. Equifax has made zero attempts to investigate my claims within the time period allowed by law. Equifax has easily exceeded the time frame of 30 days therefore, by LAW MUST delete the account above.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/2022 I called IQ Data International because I received a collection notice in the mail. The amount was due to moving out of an apartment and the final bill associated with the move out. I did not have the bill from the apartments so I was not able to see the itemized charges/or confirm the amount due. THis ( the collection notice ) was the fist mention of the charges to me. I recently moved ( obviously ) I asked the assigned agent to please provide to because I am unaware of the charges and wanted to know the itemized listing of the charges instead of being told it was " damages and utilities ''. Instead he got upset and proceeded to tell me its too late if I don't agree with the charges because I should have been at move-out inspection to refuse them. And some other stuff if I'm not paying about my willful invasion or something. I let him know I was unaware to be present at move-out to do so as I was told ( by the apartments personnel ) to just leave the keys and a bill will be sent. He said it was in my lease and continued that even if I don't agree with the amounts charged from the apartments it was too late to dispute them. So I said fine but I would still like to know what I am being charged for to make sure I agree with the amount. He refused and said he will not waste his time to do the extra work or get his manager to waste their time to provide itemization of the charges for someone with no intent to pay who will just hang up in the middle of the call. 

I intended to pay, hence I called. I just wanted to verify the amount being charged to make sure It was no extra fees and that was the actual amount from the original creditor because I've had experience of collectors adding unverified charges to consumer accounts. I thought it was a given right to know that information. 

So, I just said I will hang up because he was getting upset about something or maybe he was in a bad mood today. I don't know why, its not like I asked him for money. So I called back and was transferred to him again and politely asked to speak to someone else. I waited on hold then decided to hang up and call back because I wanted to get it resolved but also know that the amount is not inflated, especially since they were charging interest on the account. 

I called and asked to speak to anyone but the case person assigned to my account. They were friendly and I paid the amount because that was the whole point of calling and I didn't want more interest charges. She informed me I could pay and dispute the charge or something but I just wanted to verify the charged amount. I wasn't saying I disagreed or agree with the charge but I only wanted the amount confirmed and itemized so that I could know there were no extra charges in there from the debt collector aside form the interest charges I found out about today. I don't mind paying what I owe. I just want to know that I am paying for what I actually owe and that the charges are all mine. I was not given the opportunity to check.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Consumer Financial Protection Bureau, A company named XXXX XXXX XXXX XXXX XXXX with the following address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following people behind it XXXX XXXX XXXX XXXX XXXX, aka XXXX XXXX, on the internet which is a get-rich-quick scheme was pushed me into paying {$5000.00} using a professional salesperson during a zoom call for what they advertised as " one-on-one coaching to sell on XXXX, '' which I later figured was just a pre-recorded course that was also available online for free. I lost {$5000.00} + {$20000.00} following their advice. 

I contacted my credit card company, Discover, on XXXXXXXX XXXX and disputed the charge. Before that, I contacted the seller, XXXX XXXX, and told them they falsely advertised and pushed me into paying for something that was a total lie, but they ignored me and even cut my access to the course. Discover initially returned my money, but then the seller sent them a letter with forged evidence of my participation in the so-called XXXX group to show that I received coaching which was photoshopped and it was not my participation. Discover bank based their judgment on this forged letter, and although I told them that it was a forged document, they told me that the seller should agree to give my money back. Considering the scam nature of this business and their forging evidence practices, the business did not agree to pay me back, and I hold Discover responsible for this since they based their judgment on a forged document and don't want to get involved since they only care about the {$5000.00} that was spent using their credit card.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX / 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.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the report
Complaint sub-issue: Information belongs to someone else

I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 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 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 30days 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 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 and XXXX data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Need information about your loan balance or loan terms

I have consolidated my federal loans and they are handled by the FedLoan Servicing. I am in the Public Service Forgiveness Program where as long as I work for the government, I am required to make 120 qualifying payments towards my loan amount and the rest is forgiven. The key to the program is to have the qualifying payments which are counted by FedLoan Servicing retroactively once the payer shows that they are employed by a public service organization. Two years ago, in 2017 I had a case opened with FedLoan Servicing to look into whether the payments were calculated correctly for me. I had calculated more payments than what I was being told. FedLoans opened a case and said that they will look into the discrepancy. I would call every few months or so to follow up on the open case and each time I was told that it is being worked on. It has now been two years since the case was opened. Nothing has happened. In addition, FedLoan Servicing is not counting any payments I made since 2017 when the case was opened because they say that the case has to be resolved first, before any more payments are counted towards my program. FedLoan Servicing also told me that there is nothing else they can do to speed up the review of the opened case or even to close it because it is not handled by them directly. I would like for this issue to be resolved and for FedLoan Servicing to count my qualifying payments. I am afraid that this is a tactic and nothing will get resolved.
Complaint sub-issue: Information belongs to someone else

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO EQUIFAX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

Equifax has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into Equifax and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with Equifax, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that Equifax was asking me when I was accessing my report did not apply to me at all. Although Equifax still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by Equifax itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

Equifax needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX OF XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

There is a multitude of errors on my report ranging from items reporting that appear to be someone else 's information, i.e bankruptcies, to items I believe are outright fraud. I have attempted to fix these errors in XX/XX/2016 but did not follow up as diligently as I should. Therefore, there are several items that still remain and some new items that have have appeared. I receive mail at my current resident often with names that are similar to mine but misspelled. I am not sure how this is related except for the fact that my credit report is entirely inaccurate. Please help!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and 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: Information belongs to someone else

I have made multiple attempts to obtain copies of the original loan documents from XXXX XXXX with no success. XXXX 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. XXXX is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Complaint sub-issue: Information is missing that should be on the report

An application for an automobile loan was refused by XXXX XXXX, on/about XX/XX/2020, based in part due to a credit report by SageStream , LLC ; including the following negative comments : XXXX Too few active accounts * Limited credit history. 

Now, i have been using credit in the US for nearly 10 years. During that time, i have ALWAYS paid on time and in full. 

IF SageStream is not able to identify sufficient accounts, or has Limited credit history on me, I feel it is both incompetent and fraudulent for them to presume to supply credit advice on me. Why should I suffer because of their ignorance? 

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

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$86.00} are reporting on my personal credit file with ( Equifax/XXXX/XXXX  XXXX credit reporting agency . These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on equifax and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXl XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.
Complaint sub-issue: Debt was paid

Equifax needs to remove XXXX XXXX XXXX debt from my credit file. This debt paid in full on XX/XX/2020. Please see the receipt for paid debt, and the email XXXX will remove the collection agency from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX CLOSED XXXX XXXX CREDIT CARDE ACCOUNT BECOUSE XXXX XXXX CHANGED THE LAST 4 NUMBERS THE SAME CREDIT CARDE. AFTER I SPOKE TO SUPERVISER FROM EQUIFAX AND HE REFUSE TO CORRECT THE INFORMATION.
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 {$1000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.
Complaint sub-issue: Debt is not mine

Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they 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 hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX. account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # 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: Reporting company used your report improperly

My credit information including personal information was involuntarily divulged by this company to unauthorized users.