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

Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax 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 are the items that are reporting on my Credit Reports : 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: Attempted to collect wrong amount

Inaccurate reporting from my credit report and wrong information
Complaint sub-issue: Information is not mine

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX 2017 and they completed the request on XX/XX/XXXX, 2017 and XX/XX/XXXX 2017. I also disputed these same inquiries on XX/XX/XXXX, 2017 and on the same day XX/XX/XXXX,2017 the investigation was completed. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days also 1 day after the receipt of my certified letter and online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me and are FRAUDULENT. I did not sign for anything. I also sent in a police report. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I filed a complaint with Equifax concerning a collections debt and other address and phone number and name mistakes that did not belong to be. ( My ex-wife 's maiden name XXXX and her new married name XXXX have been reported as mine ). I also filed this with XXXX and XXXX, both of which resolved these issues ( expect the names ) before 30 days. On XX/XX/2019 the complaint was completed by them- they corrected the address and phone number but not the 3 debt collections. 
I was unable to access my results on line. I called few days later, nothing was resolved. On XX/XX/2019 I filed another complaint with them regarding the same issue ( 3 debt collections 2 of which held with XXXX XXXX XXXX for XXXX XXXX XXXX   XXXX ). I was again unable to access my results on line. In mid-XXXX XXXX  of the collections debts were removed from my report ( one from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), as reported by XXXX XXXX. One has remained, the entire time. In Mid-XXXX I again filled another complaint for the last one held by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX. This bill also does not belong to me. 
I have tried at least 10 times to access my results on line as instructed by the emails sent by them, every time except one has failed, I am always sent to a page to call them. I have also never received any copies of my credit report from them as required.
Complaint sub-issue: Information is not mine

Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX
Complaint sub-issue: Problem with customer service

I applied for PSLF during the first round of forgiveness and was denied. I re-applied at the beginning of the eligibility period in XXXX 2022 and mailed my application in. I checked on the status of my loan several times, but was told it was in-process. At some point in the summer of 2022 ( XXXX maybe ) I received notification that MOHELA was taking over the PSLF process and to contact them. I contacted MOHELA by phone in XXXX 2022 and was told MOHELA was waiting on Department of Ed to transfer my information to them, but was assured that the process would be completed by the end of XX/XX/2022. On XXXX XXXX, 2022, I emailed MOHELA to ask about the status of my application, but did not receive a reply. I called them at some point in XXXX 2022 and was told MOHELA does not have payment counts on file for me and my current loans to not qualify. I explained several times over successive phone calls that I have XXXX  sets of loans, an XXXX set from XXXX years ago and my current XXXX school loans, but each time I called, they told me I was ineligible. I gathered my payment counts as best as I could, made formal requests from old servicers, and uploaded my screenshots of payment counts on XX/XX/ 2022. I wrote a formal complaint letter to MOHELA and uploaded it on XXXX XXXX, 2022 as a complaint in MOHELA 's system. I made the same complaint to the Department of Education. During subsequent phone call with MOHELA, they told me I need to consolidate all of my loans before XX/XX/ 2022, and that my XXXX and XXXX school loans could be rolled into one consolidation loan. I was assured that this would smooth the process and make it faster, but that I also needed to re-submit a PSLF application for some reason. I applied for a XXXX time and submitted my documentation on XX/XX/ 2022. I also applied for consolidation at the same time. After I applied and was approved for consolidation, I found out from XXXXXXXX that the consolidation loan only covers the remaining {$3000.00} balance on my XXXX loans. It did not include the XXXX  school loans. This was the most recent of many misrepresentations made by MOHELA customer service agents. This entire process has been XXXX unconscionable, and insane and I have been dealing with it for nearly a year. I attached a copy of the letter I sent to MOHELA with official payment counts from my old XXXX loan servicers. The remaining {$3000.00} balance was just paid to XXXX a few days ago via the consolidation loan.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX ELAN FINANCIAL which ran my credit twice in two days XXXX XXXX
Complaint sub-issue: Account status incorrect

There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX on my credit report ( XXXX, XXXX, equifax ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, Equifax and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, XXXX and equifax XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and Equifax removed but XXXX still didnt remove it
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT
Complaint sub-issue: Other problem

On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX  credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX  and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer. 
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Complaint sub-issue: Personal information incorrect

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update all info to my correct XXXX XXXX have XXXX all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as XXXX but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXXXXXX is violating its subscriber agreement with XXXX, Equifax and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Equifax just reports anything without any prior notifications, Equifax breach probably caused more aches than anyone else they should be held liable for their mishandling of information. 
I have disputed information with them before now they placed some more derogatory information on my credit for an unknown medical bill from an emergency bill??? I have no medical emergency! 
Highest Balance {$180.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX FLORIDA Creditor Information XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.
Complaint sub-issue: Debt was paid

I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.
Complaint sub-issue: Problem getting your free annual credit report

In XXXX I requested a copy of my free annual credit report from Equifax as I had done for several prior years. I received a form letter from Equifax dated XX/XX/XXXX which said they needed additional information from me, according to two categories one labeled Identification and the other labeled Current Address. Each category listed several examples of acceptable documents. I sent a copy of my original Social Security card and a copy of my XX/XX/XXXX Annuity Statement from the XXXX XXXX XXXX XXXX XXXX which provides my address. 

I then received an identical form letter from Equifax dated XX/XX/XXXX with no explanation but requesting the same information. In order to ensure that I would provide the correct information, I called Equifax and spoke to a representative who gave her name as XXXX. I explained the situation to her and she advised writing a cover letter indicating the two pieces of information I would include. I asked if providing a copy of my US Passport and XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX would be acceptable and she said it would be. I prepared a cover letter and sent it with the two pieces of documentation as instructed and approved by the Equifax representative. 

I then received a third form letter from Equifax dated XX/XX/XXXX, also identical to the first two letters and again with no explanation. I subsequently contacted the CFPB and it was suggested I submit a complaint, which is contained herein. Attached to this file are copies of the letter I sent to Equifax in XX/XX/XXXX ( note the typed date indicates the year is XXXX which is a typo ; it is corrected in pen on the copy attached to this complaint ), and copies of the two documents I sent with that letter, i.e., my XXXX Passport and my XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX. I have redacted private information from these two documents sent with this complaint to the CFPB due to lack of computer security with electronic transmissions. This private information was not redacted from the documents I sent to Equifax via the US Postal Service in XX/XX/XXXX.