Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XX/XX/2020 Home Depot Consumer {$7800.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 Best Buy Visa {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Again, afraid to feed into a scam. 
XX/XX/2020 Home Depot Consumer {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.
Complaint sub-issue: Account status incorrect

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. 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 Equifax was XX/XX/XXXX, 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 inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax did not secure my credit information, which I have no control over them having. Now I am one of the millions potentially exposed to very detailed credit fraud. And all Equifax is offering is a 1yr monitoring.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account SELENE FINANCE LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SELENE FINANCE LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Their investigation did not fix an error on your report

Derogatories disputed and verified as accurate on XXXX XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX   XXXX Equifax : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I had made student loan payments through XXXX during the Covid forbearance time as I did not know that payments were not required. I also learned in XX/XX/XXXX that I might qualify for loan forgiveness, so I applied and my loans were transferred to FedLoans in XX/XX/XXXX. I had made payments from XX/XX/XXXX through XX/XX/XXXX. 

Once they had been transferred to FedLoans on XX/XX/XXXX, I was told I could request a refund for the payments made during the Covid forbearance period but I needed to wait for them to receive all the information from XXXX. I initially made the refund request through FedLoans on XX/XX/XXXX. I did not hear anything back, so I contacted FedLoans again on XXXX and was told that they could not find my payment history as it had " not been transferred yet '' from XXXX. I requested my payment history be mailed to me during that same phone call. I called again on XXXX, where again I was told that they could not find my payments. On XXXX, I called and they had found my payments and were initiating the refund request. I called on XX/XX/XXXX to verify that the request had been initiated, and was told it would take 60 days. I didn't hear anything for a while, so I called on XX/XX/XXXX and spoke with XXXX # XXXX who again verified that my request had been initiated, but told me it could take up to 90 days. I called again on XX/XX/XXXX and spoke with XXXX # XXXX, confirming the request once again. 

On XX/XX/XXXX, I could see in my FedLoans account online that my loan total had been increased by the amount of my payments that I had requested for refund. The added values were {$13000.00} principle and {$17.00} interest, for a total of {$13000.00}. I called that same day to see when my bank account would be issued the refund. I was told that they were waiting for the Department of Education to review the request and issue the refund. I did not receive any refunds, so I called on XXXX and was told that I was waiting on either the Dept of Education or the Dept of Treasury to issue my refund. I made several attempts to contact someone in both of those departments, but kept getting the run around about who was responsible for issuing my refund and where it might be in the process. 

I filed a report with the Ombudsman on XXXX and have received several email updates over the last 5 weeks, all saying that they do not have any more information and are still looking into the issue. Overall, the process started in XX/XX/XXXX and they are supposedly working through it. The refund for all my past Covid forbearance payments has not yet been issued to my bank account.
Complaint sub-issue: Reporting company used your report improperly

This relates to the consumer credit transaction that was started on XX/XX/2021, and completed by signing an agreement with your financial institution. in accordance with 15 USC 6827 ( 3 ) Any information, regardless of format, is considered a document.

According to 15 USC 6801 ( a ), Financial Institutions must advise Consumers of their information sharing policies and give them the option to refuse certain sharing. 

Without providing me the chance to decline, your institution provided XXXX, XXXX, and XXXX with my nonpublic personal information for the above consumer credit transaction. 


The consumer report will not contain any information shared among people associated by corporate control or related by common ownership, in accordance with 15 USC 1681a ( d ) ( 2 ) ( ii ).

Furthermore, according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer must be informed in a clear and conspicuous manner that the company may share other information with individuals who are related to them by common ownership or corporate control, and they must be given the chance to request that the information not be shared with those individuals.

Therefore, your organization has broken numerous federal laws in addition to violating my right to privacy. delete the information from my consumer report that is listed below. 
Account number : Discover Bank charge-offs : XXXX If you grant my request, I won't take this situation to the next level and file a federal complaint.
Complaint sub-issue: Information belongs to someone else

I HAVE SUBMITTED MULTIPLE ROUNDS OF DISPUTES, SPEND TONS OF MONEY TO ENSURE THE FRAUDULENT ACCOUNTS ON MY CREDIT ARE REMOVED, UNFORTUNATELY THEY HAVE NOT BEEN REMOVED. PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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 I HAVE PROVIDED ALL THIS INFORMATION EVERY DISPUTE, WITH ZERO RESULTS. I WILL BE GETTING A LEGAL ATTORNEY!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX  {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Investigation took more than 30 days

I have sent disputes to this company in regards to inaccurate and fraudulent accounts they have failed to respond to me, it has been well over 30 days and I am demanding removal of these accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX  ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the Equifax XXXX XXXX and XXXX XXXX
Complaint sub-issue: Account terms

On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.
Complaint sub-issue: Problem with statement of dispute

I sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Information belongs to someone else

The following account had fraudulent charges made on it and they have re-aged the account as well. The date open is wrong and the date of major delinquency is re-aged and wrong. The credit limit is not listed and it is also listed as a factoring company which it is not. 

XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO-XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$660.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$660.00} Date Reported : XX/XX/XXXX Amount Past Due : {$660.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 14 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR CA XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR
Complaint sub-issue: Information is not mine

I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.
Complaint sub-issue: Reporting company used your report improperly

In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.
Complaint sub-issue: Information is not mine

As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with XXXX, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.
Complaint sub-issue: Old information reappears or never goes away

I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.
Complaint sub-issue: Debt is not mine

My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Complaint sub-issue: Debt is not yours

I am a victim of fraud and I currently have accounts on my credit report that are not mines and are reported inaccurately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, JEFFERSON CAPITAL SYSTEM # XXXX. I AM TRYING TO BUY A HOME AND THIS IS PLACING MY PROCESS ON HOLD.
Complaint sub-issue: Information is missing that should be on the report

I did n't fall into any of the previous categories so I just clicked random to get to here so I could write in detail. 

Why am I penalized on my credit report for hard inquiries? This is just me utilizing my credit in an active way. I am a XXXX XXXX XXXX and own several XXXX and I like to shop for the best credit cards to maximize the most points I get. 

I am penalized every time I open a new credit card or close one that I do n't want anymore. I am penalized every time I buy a new XXXX, I am penalized with every property insurance policy, because these are hard inquiries. 

I use my money and credit wisely and have never been late or missed a payment ever on anything. This is a very unfair policy to penalize me for using MY OWN CREDIT. 

My credit score should be maxed out at XXXX. Please take steps to abolish this very unfair rule that the reporting agencies use to penalize us that use our credit wisely. 

Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company Equifax is fraudulently reporting an account which has fully been paid off on my credit report. XXXX XXXX  for {$130.00} has been paid but they fraudulently refuse to remove it in violation of my rights. fraudulent company XXXX XXXX  is hurt I didn't pay them and paid original creditor iinstead. 
XXXX and XXXX have removed it