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 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 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

agency has a wrong address for me and will not change it. no sure where they got the address but they say it was from a creditor i said your wrong i have never had this address. i was assured that they got that address from a creditor so i said get my address from a current creditor they say they can not because they don't have my correct address.you can see the circle here and for this reason they have reported no credit on me since XX/XX/2012 and even that is incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Equifax reported that 8 different corporate and financial institutions  made a hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with each individual entity as well as with Equifax and they never removed the inquiries. These inquiries and Equifax 's neglect in mitigating the problem significantly and negatively impacted my credit score.
Complaint sub-issue: Account status incorrect

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my DEPT OF ED/NELNET student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that Nelnet remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) these accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shows no creditor name and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. # XXXX, # XXXX, # XXXX
Complaint sub-issue: Information is not mine

fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.
Complaint sub-issue: Reporting company used your report improperly

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} In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received
Complaint sub-issue: Account information incorrect

I have disputed two things on my credit report with XXXX  and XXXX, But Equifax is impossible to contact.. They're website, ( on days that it will even let you log in ) gives a error message with anything I try to do. They're phone help line randomly makes choices for you before finally saying " Thanks for calling Equifax, Goodbye. The first Dispute is with XXXX XXXX. They have a account from XXXX XXXX XXXX for XXXX. This was for an unauthorized medical procedure performed for XXXX. Agreement was made with XXXX XXXX specialists for 50 % payment to settle the issue. It still ended up on my report though.

Second was XXXX XXXX acting for the XXXX XXXX in the amount of XXXX. This was for a early lease termination. Also approved by the leasing mgr. 5 yrs ago. 
Both of these matters were settled before ever showing on my credit report. I can dispute them myself with Equifax if any of their outlets worked at all.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The following items are listed below : 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 Balance : {$170.00}
Complaint sub-issue: Information belongs to someone else

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
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: 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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates 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 went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Complaint sub-issue: Company closed your account

Greetings, I have been fighting this company now for the past year on removing charges on my account and they closed the account due to fraudulent activities that I reported and I also spoke with the fraud department that also called me and confirmed that I dont owed them nothing. My credit limit was for XXXX dollars now they are telling me that I owed them XXXX dollars when my balance was XXXX, I was on a autopay with them taking XXXX dollars a month and I never used the card so my limit should of stayed the same at XXXX. These companies are basically abusing military families and veterans with shady practices.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The amount in dispute is {$40.00} in unauthorized charges. These are itemized as immediately follows, XX/XX/2020 - {$7.00} x 2 for tolls XX/XX/2020- {$6.00} x 2 of 3 charges for XXXX XX/XX/2020- {$9.00} forXXXX It appears that Citi May have added charges where they were supposed to have credited for the tolls and for XXXX. 

When Citibank failed to keep their promise that disputes had been resolved, as per their email of XX/XX/2020, and were unreachable by phone, I filed a complaint with the XXXX  on XX/XX/2020. They have not responded. The account is closed and paid in full. Citibank continues to show a balance for the disputed items.
Complaint sub-issue: Their investigation did not fix an error on your report

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Alert from XXXX on my credit report from CITIBANK on XX/XX/19, they said I had to contact Citi in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, CITI did it. I did not request it. 
They are saying they will not remove it!!
Complaint sub-issue: Reporting company used your report improperly

lam a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.
Complaint sub-issue: Received bad information about your loan

I have applied for the XXXX forgiveness program under the new waiver that was announced in XX/XX/XXXX. FedLoan acknowledged receipt of my application for forgiveness on XX/XX/XXXX. On XX/XX/XXXX, they confirmed my employment was confirmed as eligible. On XX/XX/XXXX, FedLoan transferred all of my loans to them and they became my new servicer. On XX/XX/XXXX, they loaded my application results. 

Under the old rules, I had 7 qualifying payments. I was then told they'd transfer my application to Federal Student Aid ( FSA ) to review my payments from XXXXXXXX to present under the new waiver. FSA was then to get back to FedLoan with the results. 
Over the past XXXX XXXX months, I have called FedLoan 5+ times, including talking to their ombudsman line 3 times, to confirm everything was in order. Each time I was told all I had to do was wait for FSA to review my application under the new waiver. However, when I called Fedloan on XX/XX/XXXX, the employee agreed that he felt something was wrong and maybe someone had dropped the ball and that he'd get it fixed. 

Because this seems to be taking a lot longer than it has for many others and because of my call on XX/XX/XXXX, I called the FSA ombudsman line on XX/XX/XXXX. ( case # XXXX ) I was informed that my XXXX application was not uploaded into their XXXX system. Without FSA being able to access the application, of course they can not review for forgiveness. I then immediately called FedLoan to let them know they had failed to send over my application to FSA for review. I spoke to an ombudsman at FedLoan, XXXX, employee number XXXX. He told me my application is showing up in the National Student Loan Data System and he isn't sure why FSA can't access it. 
I called FSA to let them know that FedLoan believes they sent over my application on XX/XX/XXXX but I had to leave a message and no one has called me back. 

At this point, there seems to have been a failure to communicate between FedLoan and FSA re : my request for XXXX forgiveness. I feel helpless to rectify the mistake and no one seems to know how to assist me. I am desperate for FSA to review my application for forgiveness as I believe I qualify and we start paying loans in just a few short months.
Complaint sub-issue: Information is incorrect

They report that I was a fault in a car accident in which I was rear end by a truck and do to false reporting it cause me to be denied car or to receive a high car ins rate, there is is phone number social security number address and multiple same accounts on my report that are not mine I need this to be addressed
Complaint sub-issue: Problem using a debit or ATM card

For some reason I have been scammed on XXXX from my account with US bank. I have 5 fraud charges two XXXX, one XXXX dollars, one XXXX, one XXXX, one XXXX I have no idea of those charges I called and dispute them with my bank they keep playing it doesn't matter what I tell them still not getting my money back. My account been compromise I need help getting those charges back.
Complaint sub-issue: Can't use card to make purchases

Applied for a secured Discover card XX/XX/2021. Card approved with a security deposit of {$400.00} to rebuild credit. However after and I do mean after the card was approved and funded the business wanted a signed IRS document to pull my tax returns. They then declined the account and are keeping my money as theft for over 30 days until refunded. I requested an expedite on the funds. I also requested an interest for holding funds after the approval of an APR similar to a payday loan as they are holding my money for misuse of my funds after approval. Any legitimate business would know that at approval you pull tax returns not after and then hold funds as if borrowing the money. I had received the card in the mail funded with my money and then blocked from using it so I want compensated for them borrowing from me. In the chat the supervisor sounded like a groupie as I hear you and feel for you. We strive here to improve and definitely will document this as part of the process which is not professional nor ethical. I think too many of these employees are doing drugs and are misusing the business and allowed to demeaning this country and ethics.