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

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name :  XXXX ( XXXX  ) Incorrect Name : XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( Equifax , XXXX, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and Equifax ) Bankruptcy Chapter XXXX  ( XXXX  and XXXX  )
Complaint sub-issue: Don't agree with fees charged

They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.
Complaint sub-issue: Reporting company used your report improperly

The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc. 

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Complaint sub-issue: Account status

I understand the XXXX leading credit reporting companies are not to hold information after 7 years closed accounts or in 7 years of age since first reported to them. All mine are of the above, 7 years and more in terms of time lapsed since these were reported, and they are still listed against me, making renewed credit standing impossible to acheive, or a decent score.
Complaint sub-issue: Received bad information about my loan

XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.
Complaint sub-issue: Other problem getting your report or credit score

Accounts have been separated multiple times, i am a XXXX and my social security number and name keeps getting merged with my XXXX sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/2022 PNC banks associates did a unauthorized use on my credit card violations statue 15 USC 1602 15 USC 1601
Complaint sub-issue: Reporting company used your report improperly

In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Complaint sub-issue: Debt was paid

Collection was added to my credit report by XXXX XXXX for {$640.00} on XX/XX/2018 which has already been taken care of.
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00}, XXXX XXXX. XXXX XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX and XXXX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Complaint sub-issue: Can't get flexible payment options

After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute fraudulent charges on my own behalf. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened and reflecting on my personal credit reports. The accounts are as follows : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that all the listed accounts and inquiries be removed immediately
Complaint sub-issue: Problem getting report or credit score

I believe this is a problem for all consumers who request their " free '' credit report. Upon being directed to www.annualcreditreport.com to get my free report I was successful with XXXX and XXXX. However Equifax required that I print and complete a request form. ( # 1 What if I do n't have a printer or luxury of such? ) I did print the form and upon reading the instructions I was astonished to see that a company such as Equifax who promotes Identity Theft services, was requiring that I send a copy of my license, pay stub, XXXX etc to prove my identity in the mail to a PO Box ! I then reached out to them and was told " no you can go online. '' Once again I tried by going to Equifax web site where I was again directed to annualcreditreport.com and again was required to print the form and send my private docs. There must be a better and safer way! 

# 2. In addition I am seeing that any borrower who went thru hard times in the meltdown and who tried to save their homes or did the best they could but ended up settling a CC or other debt are being enslaved by FICO scoring models and rules for how long a debt stays on the report as " LATE ''! As an example someone who paid their debts off in say XX/XX/XXXX-XX/XX/XXXX are still showing up as late on the reports thereby suppressing their scores and having to pay hefty fees for a rate. This is wrong and should be examined since the CFPB is in biz of protecting consumers from mortgage crooks. Why not look at the credit bureaus?
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

My family 's mobile account was also hacked on XXXX XXXX, 2017 causing all our devices to be locked out from our access. This took 4 days to resolve and we had to cancel all credit cards that were tied to the account. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated a minimum of {$250.00} for their negligence and that something like this does not occur again.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

I recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax does not follow federal, state or local law in my state of Pennsylvania. 
It says I have 5 hard inquiries on my equifax report when I wrote, emailed and called customer service that deals with this. They didn't do proper investigation because it is pretty easy. I had a credit freeze on my report for year 's and that stops all inquirerys to happen. So how could that do any investigation when my file was froze. That isprettty easy to pull all 5 hard pulls when it was froze.?
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.
Complaint sub-issue: Account status

I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account status incorrect

The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX XXXX I spoke to XXXX on the phone regarding products available. While I was on phone they illegally ran my credit without asking permission or even asking for my personal information. Now there is a hard inquiry on my account. The company agreed they did it illegally however it would take them 120 days to have it removed by Equifax. I contacted equifax and they refused to remove or even help me have it removed. Equifax told me XXXX was the only one that could remove it. I am trying to buy a house and get a mortgage in the next 40 days and I want this removed IMMEDIATELY!!!!