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

After repeated attempts to dispute accounts that are not valid, both XXXX and Equifaxs who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these two companies, first Equifaxs, and now XXXX have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these two should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the Equifax breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.
Complaint sub-issue: Debt is not yours

On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX  XXXX  about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX  in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!
Complaint sub-issue: Debt is not yours

I received a copy of my credit report and there is an account in collections from a company named XXXX XXXX XXXX I have never applied for any type of loan with this company nor have I ever applied for enrollment with a school with this name. This is not mine! I have disputed it twice with Equifax and they still haven't removed it. They are the only agency reporting this false account. They don't even report a collection company name only that it is collections. How could they even verify if they don't have a name on the account?
Complaint sub-issue: Reporting company used your report improperly

Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.
Complaint sub-issue: Debt was result of identity theft

I filed a complaint by filing a FTC report. The negative account still showing on my credit report by Enhanced Recovery.
Complaint sub-issue: Can't get other flexible options for repaying your loan

To be brief, this letter concerns an issue with Sallie Mae and three student loans that I hold with them, which are only weeks away from moving into payment status. As outlined in the attached letter that was submitted to Sallie Mae, I am unable to pay the loans at this time, due to the financial circumstances of myself and my wife. I spent a great deal of time on the phone with them, prior to sending the letter. And, after they received the letter, I received a phonecall from Sallie Mae from what was called the Office of the Customer Advocate. This phonecall identified what I had already been told : they understand I have no money to pay them, but in order to process a forbearance/deferment on my loans, I would have to pay a {$50.00} good faith payment ( possibly for each of the three loans ) and go through the request process every three months. How they can demand money from me, when I have identified I have no money and am asking them for consideration, is beyond me. They also offered another alternative : that they can help me, but I have to let my loans first default. As identified in my letter, I am an Officer with a very large public institution and, as such, a public/civil servant. It is both outside of my nature and against my professional interests to have my student loans default. And, given that I have pinched every XXXX and cut every cost over these last few months, demanding money from me is as offensive as it is ridiculous. They are a for-profit organization profiteering off of those like me who seek higher education. And, here, they are attempting to profit off of my financial distress. I find the entire situation offensive, disrespectful, and ludicrous, which is why I now bring it to your attention.
Complaint sub-issue: Account status

I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.
Complaint sub-issue: No notice of investigation status/result

ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.
Complaint sub-issue: Information belongs to someone else

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Complaint sub-issue: Billing dispute for services

They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I canceled my internet service with XXXX  on XX/XX/XXXX. I returned the equipment on XX/XX/XXXX in its XXXX office with a Receipt No. of XXXX. XXXX  sent me to a collection agency, I.C.System, Inc. ( ICS ) under Reference No. XXXX, two years later. I never received any correspondence from XXXX  prior to this collection letter about the fact that XXXX   has not received the equipment from me. 

I called ICS today, XX/XX/XXXX, and told the representative I do not owe XXXX  anything because I returned the equipment. She said that if I do not pay, that come XX/XX/XXXX, I will see a negative report on my credit history. She did not ask about any other information, or if I have any proof of returning the equipment. 

I then called XXXX and spoke to XXXX, XXXX ( XXXX 's supervisor ), and XXXX ( ID XXXX, XXXX 's supervisor ). All three of them said, the best they can do is send an email to see if they can find the equipment. They can not really contact the collection agency or stop the negative report on my credit history. I can just dispute the negative credit report from the three credit agencies once it shows on my history.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020, I contacted Equifax to dispute inaccuracies on my report. To date, I have not received any dispute results ( XXXX ).
Complaint sub-issue: Received bad information about your loan

In 2018 i signed up for loan forgiveness program with XXXX. I was originally with XXXX. I saw the offer if you work for a public employer make 120 payments your loan will be forgiven. A few of my coworkers signed up. I filled out the necessary paperwork and submit the information. My information was approved my loans were transfer to XXXX in XXXX. I received welcome letters in XXXX. The way my account is setup is misleading on the account it states qualifying payments 0 and qualifying payments remain 120. It seem like i was enrolled in the loan forgiveness program. I made the first payment then waited with excitement for my numbers to change. When that didn't happen two weeks later i called. They stated that i did not qualify for the program without a clear explanation. If i didn't qualify i am not sure why XXXX took over my payments when they saw what i submitted before my loans were transfer from XXXX. Not sure if this is a poly to get business. I have been employed with the same city employer for 13yrs. I never received any notice that states i did not qualify or needed additional information.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Account status incorrect

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my credit score. The company does not provide customers with an up to date credit score in the credit score section of the mobile app. Today is XX/XX/XXXX using the credit score tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my credit score to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Complaint sub-issue: Reporting company used your report improperly

In accordannce with fair credit reporting act XXXX XXXX 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 states a consumer reporting agency can not furnish account without my written instructions.
Complaint sub-issue: Received bad information about your loan

A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.
Complaint sub-issue: Account terms

Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi my friend XXXX XXXX filed a complaint about a joint account that i have with him about that will be referenced in this complaint witch you guys concluded that you will remove a 30 day late from the account and some how on my credit report it still appears if you can please update the reporting it will really help my as you have done to XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
Complaint sub-issue: Unable to open an account

Trying to open an account and it wont allow me to open the account
Complaint sub-issue: Debt is not yours

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Complaint sub-issue: Other problem

I got two cash app payments. These two payments are missing. The first one from my friend name XXXX for XXXX on XXXX XXXX. I never received it. Theyre telling me i had other payments that came threw that took the {$27.00}. Not true what so ever. After my purchases, i still had {$14.00} left over. Now the next missing cash app was made on XXXX XXXX. XXXX {$20.00}. I never received it. Im mad as XXXX because i feel like theyre just out right taking my money. All i want is my missing {$27.00} and {$20.00} and ill be done with cash app forever. This is the same reason my friends on XXXX and XXXX done deal with cash app now. I feel so stupid for not listening to people. My name is XXXX XXXX. My number is XXXX.
Complaint sub-issue: Old information reappears or never goes away

The status of limitations is up to report this repossession on my credit report should have been removed in XXXX yet still reporting in bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

I CONTACTED MACYS ON XX/XX/2017 AND XXXX XXXX 2017. I ALSO RECEIVED AN E-MAIL FROM XXXX XXXX. I MADE SEVERAL ATTEMPTS TO PAY OF THIS DEBT, BUT DUE TO STATUE OF LIMITATION THEY COULD NOT DO A SETTLEMENT OFFER. THEY DID NOT WANT TO ACCEPT PAYMENT.
Complaint sub-issue: Information belongs to someone else

I recently submitted a report with XXXX  about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the XXXX XXXXold me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has refuse to remove an account listed by XXXX XXXX XXXX. i have provided a copy of the auto loan payoff to equifax as proof that this contract was paid in full on XX/XX/15. Equifax haven't provided me with any proof that this account is verified. I have disputed this account account 3. only to keep dropping my credit score with each dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous letters to equiax showing them that the below mentioned collection agency XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX owned by XXXX XXXX XXXX at the time ) that a debt was included in my Chapter XXXX bankruptcy. I included a list of creditors showing that the apartment complex was listed but it still shows on my report and someone still tries to collect on this debt that was discharged over 2 years ago.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2019 a charge of XXXX was made to my credit card. I called the company and they cancelled the old CC number and issued a new number and I was told that the fraudulent charge would be cancelled. It wasn't. A new CC was issued and the fraudulent charge was added to the new card. 
I called the company 's security again around XXXX XXXX and I was advised to skip any more payments. I skipped a payment and then I received a letter dated XXXX advising me that the payment was past due, so I paid a double minimum due payment. I called the the company 's security again and I was told that the original security representative had made a mistake and the time period for resolving the problem would take another 90 days. It's been about 90 days, and I am still having to pay the minimum due each month.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX