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

It was confirmed to me that me personal information ( SSN, DL info, DOB, etc. ) was part of a data breach of equifax 's system. I feel they are not only negligent in their lack of safety measures to prevent this from happening but were not quick enough to reveal this to their customers which also allowed senior executives to divest their stock. Which we are supposed to believe happened by coincidence and nothing illegal occurred.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Consumer Financial Protection Bureau To Whom It May Concern, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes XXXX Equifax XXXX, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the XXXX saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its XXXX teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its XXXX  accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 



Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 

Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Complaint sub-issue: Problem getting your free annual credit report

Equifax apparently has my date of birth wrong. I tried to correct it over the phone after establishing my identity by answering multiple security questions. They refused and told me I had to write a request and send photos of identification. I then tried to use their online form complete with uploading the necessary images. They wouldnt accept the submittal. I then tried to simply order a copy of my credit report online as directed by Annual Credit Report .com and was told I could not - that I had to submit it in writing with certain documentation. This is crazy! No other creditor or credit reporting agency has this error. It is clearly a data entry error of Equifax and they wont even let me see my report without jumping through a bunch of hoops. If they would spend 5 minutes looking at the personal information submitted by my creditors or the other credit reporting agencies they could verify this is error is theirs and correct it. Apparently Ive made somebody at Equifax mad and now they intend to make me pay for it.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Information belongs to someone else

Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Account status incorrect

Macys/DSNB is not following the XXXX XXXX compliance guidelines. Comments made by the creditor does not indicate that the account was settled. In accordance to XXXX XXXX, the creditor has to indicate the first date of delinquency. The creditor does not include other XXXX XXXX information such as payment status. The creditor failed to correctly report credit information. According to FCRA, creditors are required by law to report information correctly. I have contacted this creditor several times regarding correctly reporting information and they will not comply with reporting information in accordance to FCRA and XXXX XXXX. Therefore, this account should be deleted from my credit report.
Complaint sub-issue: Received bad information about my loan

My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.
Complaint sub-issue: Information belongs to someone else

My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates XXXX
Complaint sub-issue: Personal information incorrect

This company has completely ignored my dispute to delete addresses that are not mine. I have disputed this for the past 9 months with no results.
Complaint sub-issue: Information belongs to someone else

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}.
Complaint sub-issue: Information belongs to someone else

I checked my credit report on XXXX XXXX and under the Equifax report, I saw a XXXX XXXX XXXX  XXXX credit card open on my account that I do not have. I called the bank it was listed under and they verified my info and said there was no credit card open under my name and social security. So then I called Equifax and verified all my info and they said they could not provide assistance and I needed to send copies of my ID and Social Security card via mail to them to verify my identity. That immediately sounded fishy, I verified all my personal identifiers so not sure why they need this. I do not and will not EVER send a copy of my social security card in the mail. This is an improper use and abuse of customer private information. I want to this resolved since I do not have this credit card open and it is been reported under MY credit score but do not like the way Equifax is trying to handle it. The card is not showing open under my XXXX report only through Equifax so they need to amend this.
Complaint sub-issue: Received bad information about your loan

Dear Sir or Madam, I have a private student loan originally taken via XXXX XXXX, the loan amount about {$100000.00}. I have always made regular payments. I had opted for electronic document delivery in which XXXX XXXX maintained my statements and documents ; any time I needed them I only had to login to XXXX XXXX. 

This year, XXXX XXXX announced they were exiting the student loan business and my loan would be transferred to Firstmark Services, a division of Nelnet. 

I was reassured by XXXX XXXX that the transfer would be seamless, I would be able to access all of the information regarding my loan, for example statements, tax statements, etc. with XXXX as I was with XXXX XXXX. 

My loan was transferred, the automatic payment process was seamless. I did have some initial minor problems in registering for my Firstmark account, however this was resolved upon calling Firstmark customer service. 

My monthly statements and other documents were not transferred. These are important to me as I periodically need these when I balance out my home accounts and budget. 

I contacted XXXX XXXX kindly requesting that they transfer my statements and documents to Firstmark. They responded that the people at Firstmark are who I should be contacting as they are now 100 % in control of my loan and loan servicing, would have this information to provide as all was transferred to Firstmark. 

I contacted Firstmark customer service with a very simple request, quote, " please provide me with my monthly statements that I had when my loan was being maintained by XXXX XXXX. '' Now I don't think this is a particularly hard to understand non unreasonable request particularly as this loan amount is big and clearly profitable given I have never been delinquent on this or any loan for that matter, and make regular monthly payments as agreed and plan to continue to do so till the loan is paid off. 

All I want are the monthly statements I could access with XXXX XXXX accessible to me once again. And if they can't get them all, then at a minimum, the statements from this year for XXXX, XXXX, XXXX, XXXX and XXXX. 

And failing the above, then if they can just tell me for each of the months this year, thus XXXX, XXXX, XXXX, XXXX, XXXX - of each of these payments, how much went to principal and how much went to interest as these 2 details are the 2 critical details I need to enter into my accounting and budgeting software. 

So I don't think this is too much to ask however Firstmark at the moment seem entirely unwilling to provide me with this information. 

As a sidenote, I have not received my tax documents related to this account, Firstmark seems unwilling to provide this to me either, although at the moment I am not in need of this, however will need it in due course. 

I would be grateful for your help in communicating with Firstmark, hopefully the result will be me getting the information I need. Although I feel I have made my request clear, it might be you may be able to communicate what I need in a different more understandable manner.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with personal statement of dispute

Since XXXX of XXXX I have made numerous attempts to work out a resolution with Citibank. I even had an attorney assist me. Citibank refused to answer phone calls, return messages, respond to emails or mail correspondence. As a result I have a negative debt on my credit rating and had to pay an additional {$600.00} damage deposit to get into a new apartment. I fully intend to resolve this debt, but can not get Citibank to work with me. Now, in spite of a XXXX credit score I am being denied access to housing without having to pay an additional damage deposit. If Citibank had worked with me in XXXX, XXXX, this would not be the case. Our last attempt to reach out to them was in XXXX, XXXX. Thank you for your time.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX- XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, Equifax and XXXX. This is not my account.
Complaint sub-issue: Debt was paid

Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Complaint sub-issue: Account status

EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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: Debt is not yours

I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Complaint sub-issue: Information belongs to someone else

I am disputing these accounts below. They are not mine, and are fraudulent. There are a lot of inconsistencies in the reporting of them. 


XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account number : XXXX open date inconsistent and or duplicate account. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX open date inconsistent XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX inconsistent not mine. 
XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 



I did not give them my consent to report.
Complaint sub-issue: Received bad information about your loan

Upon XXXX in 2018, I was making very little money and literally could not afford to start back repayment on my loans. I at some point was able to defer my loans with the intention of going back to school at the time. I recently realized that FedLoan has reported that I missed 42 payments over all open student loan accounts. I attempted to write a forgiveness letter to my creditors in early XXXX explaining my financial predicament. The accounts are still showing as late payment history on all 3 credit reports and it is affecting my credit score when applying for other financial lending.