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

I tried to have an account that XXXX XXXX XXXX even claims was fraudulently opened ( card was active and charged off in 3 months time w/ an unpaid balance ) REMOVED from my credit report as I am
listed as an authorized user and I NEVER enlisted myself to be one or was aware of this card in my name! XXXX swiftly removed this authorized user tradeline off of my credit report ( I have new credit I 'm
trying to build and this is SERIOUSLY dragging me down ) over 3 months ago. Contacted XXXX  XXXX but because it has been closed/charged off they wo n't remove me as an AU despite the fact they suspect fraud. Disputed it once manually with Equifax in XX/XX/XXXX and they wo n't remove it, so I submitted another dispute and I also came to the CFPB to get some potential help.
Complaint sub-issue: Can't close your account

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After one year, after two incidents of identity theft/fraud, unemployment, and a financial crisis, I was unable to maintain a excellent credit ratingwith XXXXXXXX XXXX XXXX. I informed XXXX XXXXXXXX XXXX and sent XXXXXXXX XXXX XXXX XXXXXXXX a letter in XXXX, XXXX and I received a response letter from XXXX on XX/XX/XXXX which was unacceptable. XXXXXXXX XXXX response to my letter to close my credit account had no regard to the identity theft/fraud which occurred on my account ( began XX/XX/XXXX ) after I had pre-scheduled payments to settle/payoff my XXXX credit card. 

More importantly, I have tried through numerous phone calls to Department Store XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX to pay-off/close the XXXX credit card account by requesting another settlement offer in lieu of the previous settlement offer that failed, no fault of my own. NO RESOLUTION. 

Further, I am a XXXX senior citizen on a fixed monthly income, I requested if XXXX would consider another settlement offer of less than the full balance, excluding interest and fees that had been charged to my credit card account. Listed below are the complaints I filed with the New York XXXX XXXX XXXX which has been unsuccessful in resolving this matter. I have not spoken with the New York XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX, Telephone : ( XXXX ) XXXX, XXXX since I filed the complaints. I have received these email correspondence from XXXX XXXX. I can forward/fax a copy of these emails separately ( provide me your email/fax number ) because I am not able to upload these emails as attachments to include in my complaint. 

Dates : Time : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Because of this exisiting delinquent XXXX credit account with no resolution to settle it, my excellent credit report ratings ( opening the account XXXX ) and Fica scores from all three bureaus XXXX, XXXX, and XXXX are extremely poor ... .continuous XXXX unfit for me to apply/receive future credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance witht the Fair Credit Reporting act XXXX XXXX  Original creditor : 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 a account without my written instructions.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

Background of Complaint : In XXXX I entered into a private student loan with American Education Services out of Pennsylvania, while living in California, for the record the education loan was for my daughter. Per my student loan terms with XXXX XXXX XXXX the student loan for the minor. 

Without default, I paid this loan for a duration of 14 years prior to my lay-off and hardship experience during Covid-19 dated XXXX of XXXX, I was direcly impacted economically and applied for Unemployment therafter. I contacted legal-aid to discuss the commencement of a XXXX XXXX  as my funds had been exhausted and I forecasted not being able to have a means of earnings to pay for prior Creditors without being terribly in arrears. I started my Texas XXXX XXXX proceedings XX/XX/XXXX in my county of residence, with my Trustee assigned to me I worked compliantly to provide the lengthy steps and was issued by the XXXX XXXX XXXX Texas - XXXX XXXX a case number. I followed the steps assigned and I continued to make payments as Trustee requested until a formal letter was sent by the Court to all my Creditors including AESXXXX XXXX American Education Services/National Collegiate Trust ) for which my complaint is set forth to cease and desist.

During my bankruptcy case prior to discharge all Creditors were afforded two separate meetings to show up to deny any reason that in this bankruptcy case of hardship the remaining $ XXXX on the loan could not be written off. AESXXXX both of these organizations did not appear in either of the two meetings for Creditors to express concerns for not clearing this hardship debt nor did they reply to the Filing Deadline by XX/XX/XXXX to assert that I was not entitled to receive a discharge and motion that this discharge for the remaining loan be denied. 
The US Bankruptcy Trustee entered a final order of all debt discharge on XX/XX/XXXX and my case was discharged succesfully. 

It is now XX/XX/XXXX and I have had AESXXXX issue a lawsuit in the court of XXXX XXXX XXXX PA ( prior county I lived in during XXXX ) and I am appearing in court to defend myself against this predatory behavior. It should be noted that the Predatory actions of this private loan organization are illegal and this complaint should be followed up with this organization Timeline of Events Leading to XXXX XXXX 's Bankruptcy Discharge. 
XXXX. XXXX XXXX Loan for school received ( continued payments through ( XX/XX/XXXX ) XXXX. XX/XX/XXXX Laid off from sole job during Covid-19 hardships and loss of wages commenced this month XXXX. XX/XX/XXXX Utilized all savings and made payments on all debtors until destitute and proceedings entered for XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX to XX/XX/XXXXXXXX XXXX XXXX case was active and open all creditors were mailed by the court and Trustee provided Creditors two separate opportunities to present any extenuating reasons why Debtor should be not have any accounts discharged. 
XXXX. XX/XX/XXXX - XXXX XXXX Discharge for XXXX XXXX - Case Closed
Complaint sub-issue: Their investigation did not fix an error on your report

At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
Complaint sub-issue: Didn't receive notice of right to dispute

on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???
Complaint sub-issue: Other problem

On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Called XXXX  and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX  has not reached out to them and that they have not verified any information. I was informed that XXXX  uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Complaint sub-issue: Investigation took more than 30 days

I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Threatened to sue you for very old debt

Being sued by Troy capital for a debt that is time barred.
Complaint sub-issue: Was not notified of investigation status or results

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. Equifax score of XXXX, XXXX  score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Account information incorrect

the following accounts are incorrect, it is affecting my livelihood adversely! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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: Investigation took more than 30 days

On XX/XX/2021, I send bureaus a letter notifying them that if the failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Since I don't receive any feedback, I don't have any option but to seek legal remedies to fix this issue.
Complaint sub-issue: Account terms

I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/2021 regarding an inaccurate item on my credit report. Over 45 days have passed, and I have yet to receive a response. I feel as if my dispute is being neglected and Im being disregarded. According to Section 611 ( a ) under FCRA, states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days, therefore it should be delete immediately or litigation will be pursued due to the stress this has caused my life. Additionally, my information was impacted by the Equifax data breach and may have comprised.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Public record

I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )
Complaint sub-issue: Problem accessing account

This compliant effects access to following accounts Checking XXXX Savings XXXX LOC XXXX Events occurred on Thursday XX/XX/2021. 

I can not access account. I get following message " Citibank. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. '' Online Customer Service at XXXX is unable to help. I have provided them with names on accounts, debit card number, and last four multiple times. Operator flat out said " I can not assist. '' I asked to be connected to supervisor. No one picked up As noted Customer Service Rep clearly said they will not assist. 

I attempted to reach out through a DM via XXXX and was equally unsuccessful. They have not provided solution or offered to connect me with someone who can.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Equifax and XXXX, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the VA. My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only Credit Reporting agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you Equifax. You play XXXX  and I demand that you delete the late payments ASAP