Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX  ACCUSING ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over 100 times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax Fraud dept Im a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!
Complaint sub-issue: Problem with customer service

After two failed attempts to reach Mohela Student Loan services in regards to my Public Service Loan Forgiveness application, I submitted a message using Mohela 's customer service page on XX/XX/XXXX. I then submitted a follow-up message on XX/XX/XXXX to inquire about my first message. Mohela has failed to provide a response to my items, or even an update that my message was being looked into or anything. Both of my messages and a screenshot of my messages sent and any messages back to me ( there are none ) are attached for review. I'm just trying to get some help and information on all of this. Thank you, and have a good afternoon!
Complaint sub-issue: Debt was result of identity theft

L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency
Complaint sub-issue: Can't temporarily postpone payments

This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. 
XXXX College
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX and need your urgent assistance to survive. Thanks
Complaint sub-issue: Debt was paid

I have made several attempts to notify this company as well as the original creditor that I have paid this debt and advised apartment employees at the time of when this would be paid. It has been 2 years and I reviewed my credit report and became aware of the balance on the account and my account being placed in collections. I have requested a copy of my lease from XXXX ( XXXX ) because of Identity Theft and a broken lease that was placed on my credit at the time I lived there, I have not received it nor has there been any correspondence. I have called several times over several months to address the lease, and after being made aware of the balance I am being accused of owing I have attempted to get this resolved and have not heard anything back. I have attempted to contact corporate, XXXX XXXX, the collection agency Hunter Warfield, now here I am. This debt was paid XX/XX/2015 and was roughly {$1400.00}. I am really tired of all of the false promises that have been made with hopes that I would be assisted, and have not been.
Complaint sub-issue: Card opened as result of identity theft or fraud

My husband opened this Discover credit account using my information without my consent.He has done this with 3 separate XXXX accounts and a XXXX 's account and is currently under investigation by the US Fraud Department. I do not deny that I knew this account existed. However, I was told that I was an authorized user on my husband 's Discover account when given the cards in XXXX. The card was managed and paid by my husband since XXXX until XXXX of XXXX when we separated and he stopped making the payments, stating that the above named accounts were in my name and would not affect his credit if the payments were not made. I made 3 payments so it would not affect my credit and realized I had rights to dispute this account so I started that process by disputing this account several times as fraud and identity theft. Discover has only provided vague letters stating their investigation was complete and the debt was mine. They would rebill the account to me. I was advised to take further action and file an FTC report and police report which I did. I also made requests for information relating to my account under the Fair Credit Reporting Act several times and this information has not been provided to verify the debt that Discover is deeming as my responsibility.
Complaint sub-issue: Information belongs to someone else

IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX   CREDIT ACCOUNT.
Complaint sub-issue: Attempted to collect wrong amount

A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX. 

On XX/XX/2021 at around XXXX XXXX  I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state. 

My concern is that I am being lied to about a state mandating interest be paid. 

I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.
Complaint sub-issue: Account status incorrect

I am having a very hard time with Equifax ... no other bureau. Just EQUIFAX. 
Every time I call in and speak to a rep, I get a different story. They are KNOWINGLY reporting incorrect data every month on my report and have been doing so for almost a year. There are accounts reporting XXXX  balances but 120 days past due payment status. Or accounts with XXXX  balances but account status as " collections ''. Clearly these can not be right. The first time I disputed this over a year ago, they verified the BLATANTLY incorrect info with the creditor supposedly ... and just added a statement to my report. I've tried to dispute multiple times since then with no response ( via certified mail and online ). The latest dispute, I made via phone, and instead of deleting or updating the info, they want to open yet another 30 day investigation. Which I think is absurd ... since they've been blasting my credit to smithereens for over a year due to the incorrect reporting. Now they want me to wait yet another 30 days to possibly have the creditor half way look at the details and verify the BLATANTLY incorrect information as accurate. I don't think it's right to continuously report information that you KNOW can't be right ... and then rely on the creditor alone for verification. I've sent them account statements, correspondence from the creditors, etc as documentation ... with no resolution. Meanwhile, my credit is being checked by potential employers and creditors over the past year and getting this WRONG snapshot of my current payment habits. PLEASE DO SOMETHING. After completely sinking my credit for over a year with this inaccurate reporting, the statute of limitations is approaching later this year on these accounts. I requested they be purged from my report 2 months early and got a firm NO. Honestly, it's the least they can do for ignoring the inaccurate reporting of the accounts for over a year. There's been ZERO activity from me on the accounts in the entire 7 years it's been reporting yet it's causing me so much grief. Just delete it. It's clearly wrong and NEGLIGENT to keep reporting it WRONG every single month. 
Also, I can't view my report, submit a dispute or check dispute status online. And when I called in about verifying my identity, the reps tell me they shut down their online support department so now I have to call anytime I want to get a status update or request a new report. Not only do I have to call, I have to speak to someone because their automated system kicks me out every time. Is it even legal to allow such barriers to obtaining MY information to persist? I don't think accessing my information and insuring the accuracy of my report should be this inconvenient, time consuming, and unfair.
Complaint sub-issue: Public record information inaccurate

I bought some {$70.00} product from sears last year they gave me sears card and asked me not to pay at store they will email me online link to pay which i never received. There were no followup regarding payments and i was waiting for the email which never came. After 4-5 i started getting call asking me to pay XXXX $ as it went to late payments. They tricked me as i was new and did not know about the process. I paid the around XXXX $ and asked them to close the account. This made my credit score fall down to some 500. I always made payment on time even before time but because of this fraud I am still suffering. I was student and couldnt afford a car or loan as my credit score was so low just because of sears which was made by them. They never called me, they never emailed me anything and kept it for 4 months and then stared calling me asking triple time what my actual balance was. 

After making clear all balances also my score is not going up. 
I really need help and want my score to go up as the things which is affecting my score is not correct it was not at all my fault it was sears which made all this.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX IS VIOLATING MY RIGHTS TO PRIVACY. THEY CONTINUE TO BREAK THE LAW ACCORDING TO FCRA SECTION 605B. LET THIS BE PROOF OF THEM NOT HAVING ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS FRAUDULENT ACCOUNT BY ME DIRECTLY AS I HAVE SENT IN POLICE REPORT AND IDENTITY THEFT REPORT ACCORDING TO FCRA SECTION 605B THAT THIS IS FRAUDULENT ACCOUNT. 

( SEE ATTACHED ) POLICE REPORT, FTC IDENTITY THEFT REPORT THIS IS PROOF XXXX XXXX HAS NO WRITTEN INSTRUCTIONS/AUTHORIZATION BY ME TO OPEN THIS FRAUDULENT ACCOUNT WHICH HAS RESULTED IDENTITY THEFT. 
ACCORDING TO THE FCRA SECTION 605B YOU MUST REMOVE AND BLOCK ANY FRAUDULENT ACCOUNT ONCE RECIEVED DOCUMENTS ATTACHED WITHIN 4 DAYS OF RECIEVED IF YOU CAN NOT PROVIDE ME WITH PROOF WRITTEN AUTHORIZATION/INSTRUCTIONS BY ME VALIDATING MY IDENTITY BEFORE THE ACCOUNT WAS OPEM IF YOU CAN NOT PROVIDE ME PROOF IT IS CLEARLY STATED IN SECTION 605B OF THE FCRA THE FRAUDULENT ITEM MUST BE BLOCKED AND REMOVED THIS WILL BE MY PROOF OF ME SENDING XXXX XXXX ONCE AGAIN THE REQUIRED DOCS ( SEE ATTACHED ) AND PROOF THEY DO NOT HAVE ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS ACCOUNT BUT ONLY HOW THE IDENTITY THEFT HAPPENED THIS IS NOT ENOUGH INFORMATION AND IS ENABLEMENT IN IDENTITY THEFT AMD DEFAMATION OF CHARACTER BY CAPITAL. XXXX XXXX STATED EQUIFAX AND XXXX MUST DELETE OLD ADDRESSES FOR THEY CAN NOT SO LET THIS BE PROOF THAT IT IS EQUIFAX AND XXXX DUTY TO REMOVE AND DELETE THE ADDRESS XXXX XXXX XXXX XXXX FL XXXX FOR THJ IS A FRAUDULENT ADDRESS.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a Dispute and on XX/XX/2019 it was removed by Equifax. On XX/XX/XXXX they resubmitted the item on my report.WITHOUT send or Notifying me in any way! FCRA says I am supposed to be notified within 5 days. I never received anything! XXXX and XXXX, are not doing this ... ONLY EQUIFAX!!! 

XXXX XXXX XXXX {$280.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Complaint sub-issue: Reporting company used your report improperly

Hello I '' m Making a complaint because I want Citi Bank to remove 2 hard inquiry '' s from my credit report. Because I did a pre qualify application and it said it wont effect your score. So the application passed through my credit twice any way as a hard inquiry '' s on the same day twice and I only applied once. This is the link I used for the application process XXXX XXXX XXXX XXXX. Which was XX/XX/2018. Under the fair credit act if they wont remove this from my credit I will sue.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX  the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYNCB/JCP XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is the letter that I mailed to Equifax. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Over the past 3 months I have disputed a second inquiry that Equifax is reporting on my credit report from XXXX XXXXXXXX XXXX  XXXX The last time I tabulated my disputes with Equifax, I counted 7 times that I disputed the XX/XX/2022, inquiry. There may be more, but I got tired of looking. Equifax sent me a canned response for each dispute telling me that they are a matter of record.

Each time I complained to Equifax, I told them that my credit report has 2 inquiries, where there should only be one. I agree that the XX/XX/XXXX inquiry was legitimate. The second inquiry on XX/XX/XXXX is illegitimate and seems to be an error on Equifaxs reporting records. XXXX told me that if they ran my credit within 30 days of the initial inquiry, that they wouldnt report a second inquiry. Look at the dates. XX/XX/XXXX thru XX/XX/XXXX is less than 30 days. 

To make this complaint crystal clear, I have attached a letter from XXXX XXXX XXXX and an email from the dealership, XXXX of XXXX Georgia. Each of them puts the error squarely on Equifaxs doorstep. 

Additionally, I have filed XXXX previous complaints with the CFPB. Equifax delayed their answer ( XXXX ) to each complaint with the standard XXXX indicating that they are not at fault. 

So, with this in mind, I am filing a 3rd complaint with the CFPB in hopes that they can pin the blame squarely on Equifax ; forcing Equifax to remove the second inquiry. 

I am also going to file another dispute with Equifax through the U.S. Mail. Perhaps the canning process of XXXX will end. 

Sincerely, XXXX XXXX XXXX XXXX : CFPB XXXX XXXX XXXX XXXX of XXXX Georgia Attachments : XXXX XXXX XXXX, XXXX of XXXX Georgia email, copy of latest Equifax deflecting responsibility.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports without any third party involved. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them a letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Equifax : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

I am attaching the investigation request I sent to Equifax and XXXX XXXX on XX/XX/XXXX. Both have taken longer than 30 days to respond.
Complaint sub-issue: Problem with customer service

I need the transaction history records for my Fidelity Visa credit card going back five years from now ( i.e., to XXXX, XXXX ). This credit card is currently controlled by Elan Financial Services who took control of the card from XXXX  XXXX XXXX in XXXX, XXXX. Elan has provided me with my transaction records going back to XXXX. Elan has repeatedly told me by phone and by the attached fax that they can not provide me with records prior to XXXX, XXXX. Elan suggested that I get the records from XXXX XXXX  XXXX ; however, XXXX   XXXX XXXX has repeatedly told me by phone that these records were given to Elan Financial Services when they took over the card. Does changing control of a credit card from one company to another render prior transaction history inaccessible to customers?
Complaint sub-issue: Talked to a third-party about your debt

Citibank noncompliance with levy. Now Citibank is Liable for the full judgement in the amount of $XXXX. I filed form EJ-130 with the XXXX  Sheriff back in XXXX and first Citibank was giving the XXXX Sheriff department a hard time and requesting extra documentation and that was faxed on XXXX XXXX containing seal information however it is now XXXX XXXX  and Citibank has failed to comply with § XXXX requires Citibank to respond within 10 days XXXX Sheriff made their request. XXXX & XXXX  from Citibank lied to XXXX  from XXXX  Sheriff onXX/XX/19by saying that they were expediting levy on case number:XX/XX/XXXXXXXX, they gave another fax number XXXX and said that it would be "rushed" but this was a lie Citibank is not complying with the levy request from XXXX Sheriff and now I am asking for the full amount of the judgement from Citibank because of their noncompliance.