Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX   and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https :  XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.
Complaint sub-issue: Other problem getting your report or credit score

OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Their investigation did not fix an error on your report

Lexius nexius reporting incorrect birthdate, phone numbers, addresses, and employment to XXXX  and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and XXXX  refuse to correct incorrect information on my credit report.
Complaint sub-issue: Account information incorrect

Unfortunately, I'm still having difficulty with a Bankruptcy that is listed by XXXX. I thought this information was all settled, but then my most recent report from XXXX has the Bankruptcy reinserted ( See attached ). This is causing Equifax to refuse to remove the information. I need this corrected ASAP. It has been since XX/XX/XXXX I have disputed this information and told repeatedly that it was removed only to get a subsequent copy of my XXXX report with the Bankruptcy showing. 

If that's not enough, the report lists a Bankruptcy filed in XXXX by a " Spouse, '' which I've never had. This information is a grave error and the continual reporting of same is injurious.
Complaint sub-issue: Denied loan

I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these late payments on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the late payments from these accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Two years ago when the Equifax data breach occurred I froze my credit with the three reporting agencies. After recent difficulty trying to obtain a loan I contacted Equifax. They directed me to send them a copy of my current drivers license, SSN, birthdate and address for the purpose of updating my personal information. My cover letter to the Equifax Dispute Dept. was dated XX/XX/2019. I received a confirmation letter back from Equifax with the wrong personal information on it!! I received a letter from XXXX   at the same time with the right info on it! I can no longer access the account that I created with XXXX  two years ago. I am denied access using my username and password that I created. Equifax now wants me to send them more information. Why would I do that when they could not get it right the first time?
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 by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Was cold called from a companyUnknown XXXX, asking if I was looking to refinance. I advised that there was a specific circumstance that I needed to raise my FICO before I proceeded. Was transferred to a lenderwhere they asked me for my information so they could see if I could be possibly pre-approved, I advised I did not want any activity on my credit report because I am working on raising my FICO before I can do anything. The gentleman at the company asked me to verify my DOB and SSN and told me I was not pre approved approved and hung up. That same day I was hit with a hard Inquiry from CReDIT Plus and I havent heard from them since. Deceptive, sounds like they were fishing for an account and when they saw they couldnt help they just hung up. No follow through no anything. I dont even remember the gentlemans name.
Complaint sub-issue: Investigation took more than 30 days

The company in question is Checkr background. The company has cleared me twice, once in XXXX of 2022 and again on XX/XX/2022. Applied for a different driving company on XX/XX/XXXX, and Checkr still has not completed the screening and has provided the same boilerplate response several times that no two reports are the same. This intentional delay has impacted me financially. After looking at XXXX  this seems to be a common practice of this company. On a side note, I had a federal background done for my XXXX  and passed as well. Also include per FCRA how they obtain/verify any information included, and verify if they have 3rd party permission to access Arizona 's DPS repository for criminal records.
Complaint sub-issue: Reporting company used your report improperly

Iam a natural person, Iam a living human being, and i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX  XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.
Complaint sub-issue: Company closed your account

Citibank closed my Citi TY Preferred account for inactivity. Under California CIV 1747.85, " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. '' I did not receive any notice.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX  XXXX XXXX, Account # XXXX 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
Complaint sub-issue: Account information incorrect

INACCUCRACIES ON CONSUMER REPORT XXXX ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX / {$0.00} / XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX XXXX of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Equifax  and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX XXXX XXXX XXXX XXXX past due. Ive never been behind on my payment. I tried contacting the XXXX, Equifax and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for XXXX XXXX accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
Complaint sub-issue: Account status incorrect

Noll Credit # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
Complaint sub-issue: Information is missing that should be on the report

I have tried to fix my credit report with Equifax. It states report locked for promotional purposes. I have requested that they remove it several times. Also none of my accounts shows up when in fact I have a mortgage and other open accounts that would increase my credit score. 
I have submitted dispute online about this issue at least 5 times, I have called into the agency at least 10 times. I have written them. Still no response and no correction. This is keeping me from getting mortgage refinanced or obtain other loans. 
We should have start a class action lawsuit against Equifax so they respond appropriately. Seems like a monopoly to me.
Complaint sub-issue: Trouble with how payments are being handled

My student loans were discharged under the PSLF, but FedLoan reports ( and I concur ) that I paid 123 out of 120 payments resulting in a 3 additional payments over the required 120 payments ( see attached ). On XX/XX/XXXX, FedLoan Servicing reported that it would take 30-60 days ( see attached ) for the Department of Treasury to refund these over-payments. As of XX/XX/XXXX, it has been over 90 days and I have not received a response to my request for this refund which is approximately {$1700.00}. I would like CFPB to look into this matter to identify the problem and what needs to be resolved to refund these surplus payments to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 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 XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX  XXXX XXXX