Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. Equifax and XXXX did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the agencies can not figure this out. Its so simple of an error on there part.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX tried to pull a credit report from equifax and there was no respnse from equifax.there seems to be some kind of issue that is not taken care of.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX  # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX  # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Equifax has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Equifax failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Equifax has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Equifax should be held accountable for violating the Fair Credit Reporting Act.
Complaint sub-issue: Company closed your account

I have had a credit card with XXXX XXXX since XX/XX/XXXX, I have never had a late payment with the company. The credit card account issuer is Elan Financial Services ( US Bank ) but under the brand XXXX XXXX. On XX/XX/XXXX I received correspondence stating my account had been shut down with their reasoning that I " had fallen victim to a credit card scam. '' The correspondence went on to say '' we have made several attempts to contact you by phone, but have been unsuccessful. '' Neither of these statements were correct, as numerous times I've had to contacted XXXX to assure them the charges in question were legitimate. Due to the numerous holds that were occurring on my account XXXX XXXXXXXX customer service representative provided me with the direct telephone number to the fraud prevention department. During the month of XXXX I had made several calls to the fraud prevention department assuring them that indeed the credit card charges were legitimate. Towards the end XXXX I contacted the fraud department to unlock my card once again and was informed the account had been shut down due to suspicious charges. Since that point I have been unable to rectify the account closure with XXXX. As a result of the account closure I also had XXXX ( {$510.00} ) in XXXX XXXX XXXX forfeited which I am unable to receive. As of XX/XX/XXXX I had paid off the amount due ( {$20000.00} ). I have perfect credit and have had every account in my 16 year credit history paid in full and on time. In addition to the {$510.00} in rewards that have owed to me, my concern is account closure will look poorly on my future credit history. 

Summary : -XXXX  thought I fell victim to credit card scam, which I did not. 
-Unable to dispute this accusation directly with anyone at XXXX XXXX 
-I am not able to receive {$510.00} in credit card reward points from the account owed to me from the charges I had made.
Complaint sub-issue: Information belongs to someone else

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Complaint sub-issue: Their investigation did not fix an error on your report

One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

There was a major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account status incorrect

Company continues report inaccurate information on my report as well as use stall tactics, This company have requested identification information on 3 separate occassions and I have complied with each request and yet they ask for the same info again.
Complaint sub-issue: Debt was result of identity theft

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Complaint sub-issue: Information is not mine

I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Complaint sub-issue: Can't get flexible payment options

My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.
Complaint sub-issue: Information belongs to someone else

I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}
Complaint sub-issue: Information belongs to someone else

The following accounts are inconsistent and only show on my Equifax and XXXX consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney GeneralXXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXXXXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
Complaint sub-issue: Problem accessing account

Using XXXX, on-line payroll management program for my business, and PNC Bank won't allow it to link.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

Following a review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a XXXX XXXXXXXX Visa credit card under account number XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to Equifax, XXXX  and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Good afternoon, I am submitting a complaint against the student Loan Company Nelnet who serviced my student loans from XXXX to XXXX while I attended the University XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California. During my time as a a student at XXXX XXXX, I was never informed of possible Loan repayment options such as Income Driven Plans or the Public Loan Forgiveness Program, which has been on the news under President Biden 's administration. Millions of students are drowning in student debt according to recent stats. US student debt has increased to trillions of dollars due in part for predatory practices used by student loan companies such as XXXX, Nelnet, etc. 

I worked full time for XXXX XXXX XXXX Department of Public Health in XXXX XXXX XXXX as a XXXX XXXX in XXXX from XXXX to XXXX. XXXX XXXX XXXX Department of XXXX is a non profit, XXXX organization, which could have qualified me for the Public Loan Forgiveness, yet Nelnet did not provide with this is information. I worked there from XX/XX/XXXX to XX/XX/XXXX, yet I was never enrolled in the XXXXublic Loan Forgiveness Program or Income Driven Plans by Nelnet. If I had been, I would have qualifying payments under the Public Loan Forgiveness Program to get student loan forgiveness at this point.

I am the first one in my family to attend higher education. I always relied on my loan company to advise me the best it was possible regarding repayment options, but it looks like Nelnet did quite the opposite. Therefore, I ask for Nelnet to review my case. My time worked for a non profit organization should not be forgiven. Nelnet needs to be accountable for this.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The reason for this letter is to show that this company isn't practicing justified and lawful Business.This company never called me and I had reached out to them once I had clear my credit. Some how this. company that I never heard of I asked them by mail to please Identify your company due to the fact, I never had any loan taken out by them. I supplied them by sending certified with a Letter by mail to this company. Requesting the Original Contract that I sign. After 30 days I never Obtained the information. This company never had my address and all the info that they tried to use or access from using the 3 bureaus.Still to this time they do not have the correct information. Now here is MY issue. I go to pull my credit report that has hindered me and my daughter from moving is based on this impacting my credit score as if I took out this lone on XXXX date open then has a date of XXXX. I looked them up called and talk to a Rep and I asked him what information that you have to prove that its me after sending a XXXX letter and I get a letter back saying that they sent out information that I never seen. He says IP address I so felt that this was a scam and I told him I didn't want to receive any calls from them. 3rd letter comes out with a letter requesting for them to please remove that off my credit as they are negative affecting my report. The lady was very rude and yes yes we are putting this on my credit if I didn't pay!! so there you have it. and I don't remember any loan with the amount of XXXX ever taken out so like I told them remind me. I have a traumatic event that happen on. XX/XX/XXXX so I don't remember much so please look into this matter. I have sent them every letter that I was told to do by credit bureau. With the threats of them putting that on my credit. on all 3 report agency. is wrong... This company on the doc : last one they type my name. type a Ip. Wrong also they sent information to another address then what is filed I don't want to give them any information as they sent mail to XXXX XXXX XXXX XXXX XXXXXXXX mo, then they sent information to another address, then another address they are chasing my credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail.

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.