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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}.
Complaint sub-issue: Account information incorrect

equifax has wrongly put late paymnet on my account. i have conteacted equifax in XX/XX/2021 but no issue resolved. I have contacted company XXXX XXXX for this and they said its equifax who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.
Complaint sub-issue: Personal information

I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im filing this complaint because Equifax will not resolve my issue period, I called Equifax about 10 inquiries on my credit report that they will not remove, these inquiries are fraud I want them removed, I have a monitoring product and ask them to do the job also that failed Im going to cancel that product soon, Im out of work, these inquiries belongs to car dealerships I cant buy a car if Im not working so Im asking Equifax to remove these fraudulent inquiries but please do not put any fraud alert on my credit file, I will continue to file complaints if these are bot removed from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, Equifax and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Complaint sub-issue: Account status

I have been trying to contact Equifax to change the report. The credit card company has sent me a letter stating that they sent the information to the company to make the change. I have no way of calling and the computer states my records are not available.
Complaint sub-issue: Their investigation did not fix an error on your report

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Complaint sub-issue: Account status incorrect

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Account status incorrect

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX  ) is also reporting wrong address information about me.
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX-XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Report provided to employer without your written authorization

I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2018 at XXXX XXXX pst I used a XXXX XXXX ATM and the machine did not dispense any funds. I first contacted XXXX XXXX via phone and in person with the branch manager and informed them of the situation and was told since Im not a XXXX account holder they are unable to do anything for me and I need to contact Comerica Bank and file a dispute and that will intiate the disputing process with them. I then contacted Comerica and filed a dispute and also faxed a written statement of what happened and attached a copy of the ATM receipt that states that XXXX XXXX is unable to give me any funds right now and to call their 800 number. Its been 4 days now and I havent received any type of credit to my account. Every time I call they tell me it could take up to 45 days to investigate and just because I faxed them a statement and a copy of the receipt does not mean they will be giving me the provisional credit. I have been trying to get this matter expedited with Comerica and XXXX XXXX and gotten no where.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Fed Loan Servicing needs to explain their rationale clearer and with real data and an example as to why XXXX of my past payments on my consolidated student loan that were made monthly are not qualifying payments for PSLF, TEPSLF or Limited PSLF. 

This response is insufficient : " '' As a result, we were advised that the loan did not fulfill the current guidelines of reflecting an eligible repayment schedule for the PSLF program or meeting the timely payment requirements for the TEPSLF program. Therefore, under the current guidelines for these programs, FedLoan Servicing was unable to count these months as qualifying. '' I would like this better explained since I see this as incorrect. I had a Direct Consolidated Loan, made payments, and had a qualifying employer. Under Limited PSLF, full payment is not required, however, payments i made were substantial payments based on my loan cost at the time. My payments of XXXX or more from the ( XXXX ) that are currently ineligible should all count towards the XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Bank # 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: Account information incorrect

I previously had an account with Preferred Lease which I paid off in full XXXX month now. They have reported to XXXX XXXX and XXXX that I still have a balance of {$7000.00} balance on this account when the total account was paid in full. I have called their office on XXXX occasions and was told that I They have not updated to the Bureau as yet. I explained to them that I am currently in the process of purchasing a house and I need this information to be updated so my loan officer can pull my credit report. They are saying I have to wait 30 to 60 days. During the time I was making payments on my account, they reported to the Credit Bureau every month. I should not have to wait 60 days for them to report a pay off. I have a 100 % on time payment history with this company. Never late. This updated information is needed now for them to lock my rate in. I should not have to wait and miss an opportunity for a goos rate because their office is not efficient.
Complaint sub-issue: Was not notified of investigation status or results

I enroll in Sagstream and have yet to receive a PIN number to unenroll
Complaint sub-issue: Reinserted previously deleted info

I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.
Complaint sub-issue: Transaction was not authorized

The company Upgrade Inc with XXXX XXXX located at XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA. 

I got a debt consolidation loan from them in XXXX of 2022. I had my auto pay set up. Then In XX/XX/2022, the Autopay came out on the wrong day, so payment failed. I then Set up a payment for the XXXX, in which posted successfully. Then again on XX/XX/XXXX Upgrade took another payment, Unauthorized from me. I then had to call, they did agree to refund me, then explained it will take up to 10 days to do. Which after an unauthorized payment is ridiculous. After this i took my auto off and confirmed it over the phone it was shut off. 

With Autopay shut off, upgrade on XX/XX/XXXX took an unauthorized payment again. This payment i had called and had asked why it was taken without my authorization. They had no answers just like before. Again offered to return it in 10 days. I said no, as i was planning to make the payment that week anyhow. 

Now, XX/XX/XXXX they took a payment, unauthorized. Then again on XX/XX/XXXX they took another payment untheorized. I called on XXXX XXXX to ask why this keeps happening and again, they have no answer. All payments were for {$200.00}
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Like many parents in the school district, I pre-paid for a trip that was canceled due to the Covid 19 pandemic. The credit card company is Elan Financial XXXX XXXX XXXX. ND XXXX. The merchant was XXXX XXXX XXXX. We contacted the merchant, and although they provided no service at all, they want to give us a 80 % refund of the money. contacted the credit card issuer ( Elan Financial. Part of US Bank ). and they sided with the merchant. Their lame excuse was that the merchant did not cancel the trip. The Governor of Ohio and the School Board did ( for the pandemic ). I am working on ending all my financial relations with Elan financial and taking the merchant to small claims court..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?
Complaint sub-issue: Their investigation did not fix an error on your report

I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Complaint sub-issue: Public record information inaccurate

Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have 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 an account without my written instructions
Complaint sub-issue: Other problem getting your report or credit score

I have been calling and using my computer to get in touch with BOTH XXXX and Equifax. 
NO human and website for XXXX is a disaster. CAN NOT get any information about a complaint. 
Can not get Equifax on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX  - they are not a problem at the moment.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Complaint sub-issue: Information belongs to someone else

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Complaint sub-issue: Information belongs to someone else

I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because 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: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site 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.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank had a promotion for {$400.00} bonus if you deposit {$15000.00} in new money to Citi bank within a timeframe and I've already met the criteria and they are arguing with me that the bonus was not tied to my account and that they can't find it. It's been a couple months now with getting the run around from their customer service. My name is XXXX XXXX