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

Hi I am submitting this XXXX XXXX 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 719XXXXXXXX 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: Attempted to collect wrong amount

I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}. 
2 payments at XXXX and 1 at XXXX to reach the settlement amount.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 an account without my written instructions.
Complaint sub-issue: Need information about your loan balance or loan terms

I requested a refund on XX/XX/XXXX for a payment made on XX/XX/XXXX of {$21000.00} on my student loans with FedLoan Servicing. I am entitled to the refund according to the CARES Act. As of today ( XX/XX/XXXX ) I have not seen my balance reinstated on my account or a refund, despite being originally told this would occur in 30 to 45 days. I am submitting a complaint due to the following : ( 1 ) FedLoan says they are unable to send a confirmation email or letter confirming my request for a refund has been submitted. 
( 2 ) FedLoan says they can not provide updates on where in the process the request is, only that it was submitted on XX/XX/XXXX. 
( 3 ) The timeline for seeing the account balance reinstated and a refund issued has increased exponentially with each call I have made requesting an update on the account. When the request was made on XXXX XXXX the timeline was 30 to 45 days. 3 weeks ago the timeline was moved to 60 to 75 days. As of XX/XX/XXXX the estimated timeline is now 4 to 6 months. 

The inability to provide confirmation of request for a refund combined with no updates on the process and a continually growing timeline is unethical. I have received confirmation of others who requested refunds AFTER I had put in my request and received theirs within 2 to 4 weeks. I am very concerned FedLoan is not following through with their financial obligations to keep consumers informed and appropriately process requests in a timely manner.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX   Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies: 1XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXX, Equifax, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX  and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, XXXX and Equifax state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Complaint sub-issue: Information belongs to someone else

I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! 

Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
Complaint sub-issue: Trouble getting information about the card

This card was issued thru ESD under the Washington paid leave. I received the card in the mail and have spent 8 plus hours total on 3 separate days. I notified customer service and ESD in writing of the challenge in activating the card. Turns out someone entered my birthday wrong so I can't use the online service. I paid for this benefit and was exposed to COVID-19 thru my work. It is unreasonable to expect people to be perfect, it is also unacceptable to force anyone to sit on hold for hours listening to horrible music. I finally got thru and they told me the could not correct the DOB, but verified that I had been attempting to activate since XX/XX/2020.
Complaint sub-issue: Account status incorrect

All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60days ago to this bureau and they are disregarding a regular consumers dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a damaging affect on my credit report and score.
Complaint sub-issue: Received bad information about your loan

I have sent the uploaded document : debt validation and affidavit of truth to Sallie Mae Corporation to request that they validate the debt. They have yet to respond or address my concerns. I have received verification that they have collected the documents on XX/XX/2022 and received the green return receipt on XX/XX/2022. They have threatened to report the alleged late payments to the credit reporting agencies which would in turn adversely affect my credit score. They have been performing harassing debt collection practices by calling my personal telephone number approximately 40 times over a 17 day period.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.
Complaint sub-issue: Account information incorrect

And I was notified by Equifax of my information being breached during the security breach they told me they dont care so need to settle out of court or we can go to court. 
The amounts wrong account information is wrong days delinquent is wrong I reported it is filed on bankrupcy they didnt care court date is XX/XX/XXXX they said they dont care I filed dispute by phone online and by mail here it is months later so has to be removed by law. they said they dont care I said on some of the hard inquiries there was identity theft they said the dont care contact the company they said that they dont have me on file so nothing to dispute so contact the credit reporting agentcy then Equifax refused to deal with the Identity theft, problem I have reported it on the CFPB proper page of identity theft problem but have not seen or heard from them at all. 
And the dates reported was after filing bankruptcy cort is not till XX/XX/XXXX and both were notified already. 
XXXX XXXX Needs Attention Last reported : XX/XX/XXXX {$620.00} 30-59 Days Late Overview You've paid off -30 % of the original amount. 
Balance {$620.00} Highest Balance $ 482 Monthly payment {$87.00} Opened XX/XX/XXXX ( 3 mos ) Term 7 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status 30-59 Days Late Worst Payment Status No Info Account Details Account status Open Type Unsecured Loan Responsibility Individual Remarks Fixed rate Times 30/60/90 days late 0/0/0 See an error?

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Have reached to all parties disputes these accounts not mines.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.
Complaint sub-issue: Debt is not yours

I was contacted approximately 60 days ago about a debt from a company that i had never heard of by IC Systems. The collector said I knew who it was and I needed to pay the bill. I made the collector aware that I would not pay a bill that I did not owe and if he couldn't validate it I wanted no more calls. 60 days later its on my credit as a collection. I still have no idea about the bill.
Complaint sub-issue: Information is not mine

My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The student loans are showing on my credit report twice 3 open and same 3 closed
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to Equifax, XXXX, as well as XXXX with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I was requested by Equifax to fax over my Verification information to Equifax which was my Social Security number and ID. I requested a copy of my Equifax Credit Report which I still have not received a copy of. I have also tried several times with annual credit score to obtain my Equifax credit score and have been unsuccessful in obtaining my credit report. Because the Security questions to obtain my Equifax Credit report on annual credit score contains security questions that are not questions related to me regarding me or my credit report. On XX/XX/XXXX I called Equifax again to gain access to my Equifax online credit report and credit score. I did a Verification with the agent where I had to take a photo of my ID front and back then take a selfie of myself to verify my identity. After being on the phone for over an hour to get help to gain access to my Equifax Credit report and credit score online. After alleged trouble shooting the agent was unable to help me with access to my Equifax Credit report and credit score. On XX/XX/XXXX I called again requesting help with my Equifax online credit report and score. Once again, the agent was unsuccessful with helping me gain access to my Equifax online credit report and score. 

On XX/XX/XXXX I called Equifax to gain access to my Online account and the Supervisor XXXX was unable to help me get access to my credit report and score. XXXX sent me a recent password link and I was still unable to gain access to my online account. I have resent my online password over 50 times in 6 months and still have been unsuccessful in obtaining access to my online Equifax account. I was just given a ticket number for the 6th time. The number is XXXX. Then I was given another number XXXX. I then asked supervisor XXXX do I have a credit score and he stated no, I have not had an Equifax credit score since XXXX. I have revolving accounts with XXXX XXXX credit card and XXXX XXXX XXXX is a paid off loan that is still not in my Equifax credit report over a year ago. My address is incorrect which is XXXX XXXX XXXX. However Equifax has XXXX XXXX XXXX XXXX which is incorrect. I feel there is some deception going on with my credit report with Equifax as I have already been a victim of identity theft due to the data breach. 

I can obtain my Credit report on annual credit score credit report from XXXX and XXXX with no problem. However, I can not access my credit report from Equifax which has been problematic for me to obtain my credit report since XXXX. These issues continue to keep happening over, and over again. I'm requesting to have my Equifax credit report and score as this has caused me irreparable harm. I feel that something is wrong with my Equifax credit report that is being covered up. I'm also demanding to get access to my online Equifax credit report to monitor my own credit report instead of having it mailed to me.
Complaint sub-issue: Information belongs to someone else

After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

In XXXX of XXXX, a Direct Express customer service representative notified me of suspicious activity involving my account. The representative placed a hold on my account and a new card was mailed to my address. The representative assured me my account was secure again, however soon after this incident, I noticed money withdrawn from my account without my authorization. I notified Direct Express via phone of the fraudulent activity as soon as I became aware in XX/XX/XXXX, and a customer service representative notified me they would investigate my claim. I noted transactions on my bank statement that were not my authorized transactions and mailed this information back to Direct Express. 

The investigative process into my claim was frustrating as various customer service representatives gave me contradicting information regarding my claim. Furthermore, money continued to be fraudulently withdrawn from my account during the investigative process and even into the next year XXXX ; I would notify Direct Express each time I became aware. Some of the fraudulent transactions included hundreds of dollars being withdrawn at a single time. Direct Express website has constant technical difficulties which makes it difficult for me to check my account online and receive my bank statements quickly if I needed a copy. 

I relied on the customer service representatives at Direct Express to give me accurate and timely information regarding my account because I am not technology savvy. The times I have attempted to view my account information online regarding this matter, Direct Express website was not functional. To my knowledge, the investigation has been left incomplete and Direct Express has failed to reimburse my account with any of the funds stolen. 

My life has been completely turned upside down due to not being able to resolve any of my claims of fraudulent transactions with Direct Express and get any of the money back that was stolen from my account. I see that others have had the same issue with Direct Express. I hope something can be done so that other people in the future do not have to suffer the losses that myself and others have.
Complaint sub-issue: Their investigation did not fix an error on your report

VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .