Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fraud alerts

I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have applied for Best Buy Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a Best Buy Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the Best Buy credit card and he just need to look up so that I can pay with the Best Buy card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX   XXXX alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by Best Buy and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like me
Complaint sub-issue: Deposits and withdrawals

My Social Security check was deposited with Direct XXXX  express l have called many times and they tell me that they can not help with my account l have contacted Social Security and stopped any more checks going into Direct XXXX .l sent them a verification Benefit.letter with my new address..They are holding my XXXX.check.l am my own payee and can not understand why they will not send me a new express card..l am XXXX yr.old and l need my check.Hope you will be able to help me.
Complaint sub-issue: Account information incorrect

I am writing to file a complaint against both Macy 's and XXXX XXXX regarding a late payment that has been falsely reported on my credit report. I have been in contact with XXXX 's since XX/XX/2022 to resolve this issue, and have been repeatedly reassured that the late payment would be removed from my report. 

Despite these assurances, the late payment has not been removed from my credit report, and I am extremely concerned about the impact this could have on my credit score and overall financial health. I have made multiple attempts to contact Macy 's to address this issue, but have not received a satisfactory resolution. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that both parties remove the inaccurate late payment from my credit report. 

Thank you for your attention to this matter. I look forward to hearing back from the CFPB regarding the resolution of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

i have sent XXXX, Equifax and XXXX SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

EQUIFAX and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH EQUIFAX and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However EQUIFAX and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, XXXX  and EQUIFAX for inaccurate reporting and defamation of character.
Complaint sub-issue: Trouble with how payments are being handled

Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.
Complaint sub-issue: Information belongs to someone else

Dear CFPB Staff, I XXXX XXXX am the have been the victim of identity theft for years now. Equifax has repeatedly removed multiple fraudulent accounts from my Credit Report just to allow them back on again within months. Now even though I have resent them the evidence of my identity theft just as before they have not reremoved the following fraudulent accounts from my report! 

1. XXXX XXXX 1. XXXX XXXX
Complaint sub-issue: Information is not mine

I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I was shocked. Why you put this information on my account. I have no idea where did you get it but its not mine.
Complaint sub-issue: No notice of investigation status/result

I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my SS XXXX-XXXX-XXXX DOB is XX/XX/XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Complaint sub-issue: Application denied

On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX denied an auto loan due to information from Sagestream. Says score is XXXX, when its actually over 830. received a letter in mail stating denial. who is XXXX? why do they supply scores?
Complaint sub-issue: Trouble getting, activating, or registering a card

I had unemployment in XXXX at which time I was issued a card. My unemployment ended sometime in XXXX and I discarded the prepaid card as it was no longer useable. The company US Bank then began depositing money back on the card due to my unemployment as a result of the pandemic. I have tried repeatedly to contact US Bank to report a lost card and order a new one. I have sat on hold for hours at a time. At the 3 hour mark their phone system automatically disconnects. I have called US Bank branches for help, I have contacted them on XXXX  and the representatives I talk to refer me to the phone number that is a dead end. I have been waiting on a new card for a month and a half. My credit score is being destroyed because I can not access the funds to pay my bills. This is greatly affecting my livelihood.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, Equifax and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX XXXX Consumer reporting agencies are XXXX for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, XXXX, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Account status incorrect

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$9900.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont know acct # XXXX XXXX XXXX XXXX XXXX Dont know acct # 15 U.S.C 1681 section 602 A. States that 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.

15 U.S.C 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with FedLoan Servicing. 
I was told that there was a mix-up with my social security number and that Fedloan Serving was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but Fedloan Servicing refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Complaint sub-issue: Received bad information about your loan

In XXXX, my employer and employment were certified and counted toward PSLF. I reapplied XX/XX/XXXX to update the past year of payments and I received a notice from FedLoan that my employment was not certified because my employer is " for-profit. '' I used the PSLF tool on XXXX so that I could submit the information about my employer, but the tool did NOT work, even after trying multiple browsers and different days. I tried contacting the Federal Student loan office by phone several times and the people that I was able to get in contact with told me that there was nothing they could do about the online tool not working and there was no alternate way to submit that information. I eventually contacted the Ombudsman group, who connected me to a representative at FedLoan that handled my inquiry. On XX/XX/XXXX, I received a notice that my employment was certified along with an update of my qualifying my payments. Now on XX/XX/XXXX, I received a notice in my paperless inbox from FedLoan with the subject " PSLF Qualifying Payment Update '' which, in summary, just states that I now have ZERO qualifying payments, however there was no specific explanation as to why this randomly happened. I called FedLoan on XX/XX/XXXX and was informed that there is an additional letter that I was supposed to receive stating that my employer was determined as not qualified due to being for-profit. I have yet to receive the letter, but I received the updated qualifying payment status letter. I have already submitted a request on the studentaid.gov website, which still is very buggy. I shouldn't have to do all this work to get my employer certified and I am increasing confused as to how and why those involved with this process have the inability to research and read. There is a plethora of information related to the Federal Home Loan Bank System on various .gov websites as well. Additionally, we are well aware that the PSLF program has been grossly mishandled and administrated in the past and now that FedLoan is not renewing their contract and no other servicer handles PSLF, I am extremely concerned. I feel like the number of hoops and continuous attempts to get this corrected is NOT my burden, as the Federal Home Loan Bank system has been an integral part of this countrys financial system since the XXXX 's. I think they are hung up on the " for profit '' part instead of the fact that the Federal Home Loan Banks are govt entities and per the application form and anything that I can see, should qualify without issues. The FHLBank system is EXEMPT for ALL taxes and are extensively involved in community development nationwide in areas such as affordable housing projects, owner-occupied rehab, homebuyer down payment assistance, and small business grants just as examples.
Complaint sub-issue: Account status incorrect

I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.