Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have 2 collection accounts on my Equifax credit report. One of them has been addressed on my XXXX report but it is still reporting on my Equifax. The 2 accounts are XXXX XXXX and XXXX XXXX XXXX. I have reached out to them by certified mail but no response. I have no accounts with them and no knowledge of the account. They never gave me proof that the debt belonged to me. No signed contract or anything with my signature attaching me to the debt. They have only harrassed me with payment. I am asking that these items be removed from my Equifax report immediately. I have already reached out to XXXX as well. I am sorry that I had to go this far to address this matter but thank you in advance
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Not my account or charge
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX, XXXX, and Equifax in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.
Complaint sub-issue: Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I HAVE SENT THIS INFORMATION TO XXXX BUT THEY CONTINUE TO SAY THEY DIDNT RECEIVE IT. SO THEY FAILED TO DO A PROPER INVESTIGATION.
Complaint sub-issue: Reinserted previously deleted info

I disputed this account with Equifax on : XXXX XXXX, XXXX ; they have not gotten back to me. This account was removed from all XXXX of my credit reporting agencies sometime back in XXXX ; it was added back on my Equifax on : XXXX XXXX, XXXX ; without my knowledge, I will also state, this account was paid in full in XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items 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
Complaint sub-issue: Trouble with how payments are being handled

Began full-time employment with an PSLF-eligible employer in XX/XX/XXXX. Applied for and was accepted for PSLF in XX/XX/XXXX. My two direct federal loans were transferred from XXXX to FedLoan servicing in XX/XX/XXXX. FedLoan is stating that my payments made from XXXX were all outside the payment window ( they were not ) and that all my payments from XXXX were not received in the payment window ( they were ). This is a total of 33 eligible, on time payments that are are not being considered qualifying for PSLF. I have documentation of these payments from Navient and submitted ECF forms for all these dates. 

I called FedLoan Servicing and requested a manual recount on XX/XX/XXXX, and no changes to my qualifying payments has been made.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021 I called Equifax to get them to remove a Fraudulent inquiry that wasnt honored. Im submitting this complaint attached with documents to support my request.
Complaint sub-issue: Problem with customer service

Myself XXXX XXXX ( XXXX ). and my husband XXXX XXXX ( XXXX ) both have loans with Mohela. On XX/XX/XXXX they received a discharge list with our names for XXXX. Our loans are not being updated. They are sitting there. 

After several attempts we get the same response or a clueless response. It will take XXXX days to process. On one occasion we are told they need to send the list to Department of Education for review. However, this is false. The Department of Education sent our names in a file to them on XX/XX/XXXX. I have an Obudsman from the Department that contacted us the day our file was sent for discharge. I was told it would take a couple of weeks. 

Nothing has been done and it is over a month. 

This nightmare has gone on far too long.
Complaint sub-issue: Need information about your loan balance or loan terms

I asked for the full loan payment history in XXXX or XXXX of XXXX. MOHELA responded with a payment history dating back to XXXX of XXXX. My loan originated in XXXX. I called back and told them if the error and they said they saw that the loan info sent only went back to XXXX and the origination date of the loan was XXXX. They put in another request and on XX/XX/XXXX sent the exact same payment history dated as starting XXXX. MOHELA has taken off the option to respond via email from their website making phone calls the only way to contact them. Im still waiting for a full payment history. MOHELA is the only loan servicing company that has held my loan. This should not be difficult to get.
Complaint sub-issue: Problem making or receiving payments

I did a chargeback on XX/XX/2022 and was told that the institution only mediates because of the type of transaction ( contractor that didn't do the work ) and they could not take the funds back but only mediate and ask for the funds voluntarily. I elected to file in small claims since the contractor had stated he would distribute a charge back. Here 's where things get messy. I received a letter from the attorney of the defendant on XX/XX/2022 saying I'd been fully refunded and had no grounds to sue. For 2 months I had asked for progress or if the company had responded and just kept being told i had to wait for the 90 day investigation to conclude. I found it ridiculous that I couldn't be told if there had even been a response. I submitted the letter and ask for it to be verified and no one seemed to want to address it ; just the same mantra of wait 90 days. I specifically asked on XX/XX/2022 and XX/XX/2022 if it were possible that the funds were taken and being held until the investigation was over. I was told no but that's exactly what happened. Not only that but it was done XX/XX/2022 and the case should have been closed after XX/XX/2022, the last day they had to contest. It's just a sea of incompetence that has left me in a legal bind.
Complaint sub-issue: Account status incorrect

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX never late How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Complaint sub-issue: Information belongs to someone else

Review attached evidence. Consumer Fraud and insurance fraud. Not mine. Delete from my Lexis Nexis XXXX XXXX report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

Im in the process of buying a house and my credit report for equifax is blank now. I have a credit report service where I can see my report at any time and everything from all three bureaus are visible up until XX/XX/22, at that point equifax goes blank. Ive tried calling them four times already. Theyre telling me what I already know, I have no freezes or anything of that nature on the account. On XX/XX/22 is when I became aware of the problem when all my wife and I needed to get our house was for the mortgage company to pull up my credit, its only happening with me. My wifes credit came up from all three. Yesterday on XX/XX/22 I managed to contact equifax from a different number and the lady tried her best to help me this time, unlike the last three who sounded like I woke them up. I sent my license and answer a bunch of questions about bills and amounts that I have to prove it was me including a picture of my face along with my license. Im getting desperate because I dont want us to lose our house, I know the mortgage company wont wait forever or however long since the houses are going fast. At one point on equifax I got an error code nh and that lasted for about 24 hours and now I can log back into equifax but all of my information is still blank with straight lines and/or XXXX in everything category. This is as best I can describe it, thank you for any and all I can you all can provide for my family
Complaint sub-issue: Reporting company used your report improperly

improper use of credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MACYS/DSNB XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Don't agree with fees charged

I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.
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 15 USC 1681. 

XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any

consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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: Information belongs to someone else

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Complaint sub-issue: Information belongs to someone else

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below
Complaint sub-issue: Threatened or suggested your credit would be damaged

CitiFinancial/HomeDepot has incorrectly charged me late fees as well as negatively impacted my credit for 30 days late payment for a debt I was never informed of ( credit impact was XXXX 2021 ). I have tried repeatedly to get some assistance from CitiFinancial, calling several times and speaking to reps informing them I was never informed of a debt. I had the account reps review my contact information, which for some reason was completely wrong. They had mailing addresses that I don't reside in, phone numbers I do not own and an email address that does not belong to me. The reps informed me they would submit dispute to resolve and every time i called back it was not filed properly on their end. I escalated up to executive teams and they still did not resolve my issue stating the debt was valid. I am not disputing the debt, I have informed them time and time again that how was I to pay a debt they never informed me about not by email, mailing address or phone call. Can someone please help me with this case, I feel as my credit is wrongfully being impacted, as I have never been late with anyone ever, as my credit report will reflect and this has dropped my score down 60+ points a time when I am trying to refinance my home. The amount of the debt was {$100.00} which was paid in full at the time i called the first time, the only way i was informed of this debt was when my XXXX  account flagged me for late payment and showed the decrease in my credit score.
Complaint sub-issue: Old information reappears or never goes away

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following account. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX  ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.