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

I am filing a complaint for an on going issue with Equifax. I have already tried disputing these issues, with no success. They have taken my information and combined it with another women 's information. We are two different individuals, we live in different states, our first name 's are similar but spelled different. It's our last names that really construed everything. Her last name by birth is one that I received in my first marriage back in XXXX which is when our issues both started. I need the Equifax Credit Bureau to do their job correctly. Right now I am unable to use my credit. No loan provider will touch my credit. Due to all the miss information that is there. When an issue like this arises and it causes devastating affects on my Family. I take that extremely personal. I have already been through this with XXXX  who fixed their stuff back in XXXX which took a bit. Also I'm going through this this right with XXXX. I have provided these credit bureaus with all the correct documentation to prove my identity. Yet still they wish to argue and destroy people/ families lives. Please help me Consumer Federal Protection Bureau restore my credit with the correct information ; Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowledge or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( 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, I ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Other problem getting your report or credit score

All online reporting services are reporting my score to be between XXXX  and XXXX. My equifax online shows XXXX. However, when I tried to refinance my mortgate, I was denied as Equifax is stating my credit score is 100pts less. I looked into this, and it still showing online points higher than it was when pulled. 

I then tried to co-sign on a loan for my son, and the same thing happened. Denied because they are reporting XXXX. Every online service reports higher FICO score numbers. 

When I Call equifax, they say when determining credit for loans, its a different model. That seems misleading, when all the sites you check to complete your due diligence, are reporting higher. Nowhere on any sites does my score show a XXXX. NONE. only when pulled by equifax.
Complaint sub-issue: Information belongs to someone else

Have tried to call XXXX to report that someone took out an installment loan for {$500.00} using my social security number or with my social security number registered to their account. I can not get through to this online lender despite five or more tries. Because someone else used my social security number, I am not the client that is recognized. The loan is now delinquent and is be reflected on my credit reports, despite the fact that I did not ask for or establish a loan and my social security number is either being used in error or fraudulently. 
The loan was taken out on XX/XX/2021, according to XXXX etc. I had a fraud alert already established ( on XX/XX/XXXX ) despite this a new installment loan was issued by MoneyLion. The amount of the fraudulent installment loan is {$500.00} and the XXXX payment is delinquent by whomever fraudulently took this out.
Complaint sub-issue: Public record information inaccurate

The Credit Reporting Agencies are reporting an inaccurate bankruptcy on my credit report?
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also 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. 

XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX
Complaint sub-issue: Personal information incorrect

Equifax Confirmation Number : XXXX. Equifax has reinserted previously deleted information ( i.e., previous address ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. I was never notified of such reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). Equifax is well aware that a extended fraud alert and security freeze are in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. Equifax is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My Equifax file should only reflect such information. There should be no previous address in my file. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following address does not belong to me, I have never lived there and it should be deleted from my file immediately : ( previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Reported : XX/XX/2018. ) Please provide me with the source verifying this incorrect and mixed address. Please provide me with the method of verification for obtaining this mixed address. I have attached a copy of ReInvestigation Results from Equifax showing the previous address listed above was deleted because it was " mixed. '' Attachments : Driver license, social security card, equifax reinvestigation results from XX/XX/18, Equifax credit file from XX/XX/18.
Complaint sub-issue: Frequent or repeated calls

" XXXX XXXX '' XXXX XXXX is calling my friends, family, employer and extended family telling them they are trying to locate me regarding a lawsuit. 

I called and spoke with XXXX, she claims it's not them calling but a 3rd party location processor hired by the State Of California. 

They said I have a case # XXXX from LoanMe.com which they now own and are trying to collect on. She refused to give me the company address or information. 

LoanMe had / has my current address, phone number and e-mail address. They were also notified in writing to only contact me not my family or employer. 

XXXX is harassing me by unnecessarily contacting people not involved and giving them inaccurate information about me and a lawsuit.
Complaint sub-issue: Debt was paid

AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. 

I asked for evidence and the person taking the call didn't have any. This has to be a scam.
Complaint sub-issue: Debt is not yours

this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.
Complaint sub-issue: Information belongs to someone else

These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.
Complaint sub-issue: Other problem getting your report or credit score

Dear Sir or Madam : On XX/XX/2021 XXXX a Sunday Afternoon ), I, XXXX XXXX XXXX XXXX the Complainant ) had received an email alert message from Equifax Information Services LLC., ( Equifax ) which had stated : Your credit score changed on XX/XX/2021 and is now within a new score band. 

New Credit Score Band : Fair Previous Credit Score Band : Good You set your preferences to be notified when your credit score band changes. See Exhibit A. 

In which, my Equifax credit file score had dropped forty-nine ( 49 ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX points dated on XX/XX/2021 ( see exhibit C ). After, I had applied and, I had been approved for the XXXX XXXX XXXX secure credit card in conjunction with the associated deposit of XXXX XXXX ( {$300.00} ) dated on XX/XX/2021 ; in order to secure my XXXX XXXX XXXX  credit card revolving balance account. And, I had not yet received, my XXXX XXXX XXXX secure credit card from the jurisdiction of the United States Postal Service ( USPS ) mail delivery to become activated or used towards any store purchases. Therefore, how did my Equifax credit file score drop to XXXX  ( XXXX  ) points when I had not used my XXXX XXXX XXXX  secure credit card for any purchases nor have, I received, my XXXX XXXX XXXX secure credit card by mail delivery from the USPS jurisdiction, as of XX/XX/2021 to make any stores purchases? 

Furthermore, prior to me applying for my XXXX XXXX XXXX secure credit card, I had zero percent ( 0 % ) Equifax credit file score utilization rate and, my XXXX XXXX XXXX secure credit card annual fee payment cycle period was from XX/XX/2021 to XX/XX/2021 due on XX/XX/2021, in the amount of twenty-four dollars ( {$24.00} ) which effected, my Equifax credit file score utilization rate that went from zero percent ( 0 % ) to eight percent ( 8 % ). And, in calculating my twenty-four dollars ( {$24.00} ), XXXX XXXX XXXX annual fee amount divided by my XXXX XXXX XXXX secure credit card deposit of three-hundred dollars ( {$300.00} ) which had calculated to eight percent ( 8 % ) that is below the thirty percent ( 30 % ) XXXXXXXX XXXX XXXX, XXXX threshold requirements for Equifax credit score utilization ratio. And, recommended by the Consumer Financial Protection Bureau ( CFPB ) which keep my Equifax credit scores steady without any derogatory drop in points against my Equifax credit file account. So, why did my Equifax credit score dropped XXXX ( XXXX ) points from XXXX points dated on XX/XX/2021 ( see exhibit B ) to XXXX  points dated on XX/XX/2021 ( see exhibit C ) when my Equifax credit file utilization rate is only to eight percent ( 8 % ) below the thirty percent ( 30 % ) threshold required from XXXXXXXX XXXX XXXX, XXXX? And, my XXXX XXXX XXXX  secure credit card annual payment was not past due to receive any derogatory mark into my Equifax credit file account that should not have affected my Equifax credit file utilization rate.
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all XXXX bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX na XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Cr XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXe # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Complaint sub-issue: Information belongs to someone else

My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days results in reason to remove these items from my credit report. It is approaching 60 days so the items should be deleted promptly. I demand these items be deleted or I will file for litigation. Also, my information was involved in the equifax data breach so it's possible my information has been missused.
Complaint sub-issue: Frequent or repeated calls

Numbers : XXXX has called 5 times XX/XX/XXXX XXXX has called 4 times XX/XX/XXXX in the last XXXX hours both are discover loans ( I have voicemails having them identify who they are ) XXXX called 11 more times from XX/XX/XXXX to XX/XX/XXXX I contacted them back in XXXX to not contact me while they were harassing me on a call. they laid off till early XXXX late XXXX, but have contacted me everyday since. I have severe social anxiety as well as being on the phone, so I am physically incapable due to emotional/mental blocking me. 

They contact me at least 3 times of day, ive told them not to contact me early morning or clarified that they wake me up with these calls. they still call at XXXX XXXX directly.
Complaint sub-issue: Reporting company used your report improperly

Based on the online tools available at ( https : //www.equifaxsecurity2017.comXXXX ), I 've been impacted by the recent Equifax security breach. As a relatively new user of credit, this has the potential to disrupt my attempt to establish good credit in a pretty bad way. I refused to waive my right to a class-action suit, and intend to follow through as thoroughly as possible with any legal recourse available to the 1/3 to 1/2 of the country that has been affected by this. 

I have placed a 90 day fraud alert on my account, and will likely have to do this far into the future, because a company that is supposed to be 'worthy ' of credit could n't keep their XXXX together.
Complaint sub-issue: Trouble with how payments are being handled

Hello! 

FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. 

I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. 

I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.
Complaint sub-issue: Billing problem

I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I  was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.
Complaint sub-issue: Debt is not yours

Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019i sent Equifax a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Equifax & XXXX XXXX XXXX XXXX XXXX XXXX  have not responded