Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Equifax is not properly reporting my credit cards to my report..I have a higher total credit card limit but they are not showing properly on my report causing me to have a higher usage percentage..They say I have a 4800 limit throughout all my cards and the limit is actually higher than that..And I see that they are not even listing one of my card accounts..
Complaint sub-issue: Public record

Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}
Complaint sub-issue: Received bad information about your loan

On Friday, XX/XX/XXXX I received an email from PHEAA/FedLoan Servicing admitting to legal liability for failure to adhere to my Standing Instructions for my Federal Student Loans, during the period of service between XX/XX/XXXX and XX/XX/XXXX. Furthermore, in the final paragraph of the XX/XX/XXXX communication, PHEAA explicitly opened the door to further liability regarding additional issues with my account which may have been unrelated to standing instructions. Following my submission of supporting documentation, I have received a single check in the amount of XXXX to cover the failures in relation to my Standing Instructions. However, I had since documented numerous other forms of financial harm unrelated to Standing Instructions the XXXX} payment was clearly incomplete and inadequate compensation for the harm I have suffered. As a notable example, in XX/XX/XXXX, my loans were re-assigned to XXXX without my consent, following PHEAA 's unilateral decision to exit the federal student loan servicing segment. Following this unplanned transition, my federal student loan balances disappeared altogether from my consumer credit reports, and were only re-applied in the end-of-year context for XXXX. In the meantime, I was attempting to purchase my first home for my household, and was challenged to obtain full and accurate documentation to substantiate my loan balance and prove that I was a borrower in good standing in order to complete the mortgage approval process. Despite my repeated attempts to pursue further monetary compensation from PHEAA, I have been consistently stonewalled. On Friday, XX/XX/XXXX, PHEAA again sent me an email asking me to provide documentation that I had already submitted two months ago. I finally received a third notice earlier today stating that my case had been closed and if I had an issue with the closure to contact PHEAA customer service. I wasted nearly an hour today on the phone with PHEAA team member XXXX ( employee ID # XXXX ) who continued to insist that she could do nothing for me and that I had to contact XXXX, or otherwise the Department of Education to confirm the correct contact information for my current servicer/borrower relationship. XXXX 's malicious insistence that I could only pursue recourse from non-PHEAA representatives was further confirmed when I was told that XXXX 's supervisor from XXXX was present but categorically refused to speak to me since I was not an active PHEAA student loan customer. Since this entire framework to provide contact outreach and fair compensation persons for federal student loan borrowers such as myself explicitly arose as a direct consequence of PHEAA 's earlier unilateral decision to exit this line of business, the attempt of PHEAA to defer providing reasonable compensation can not be logically disputed and the firm is clearly defaulting on their legal obligations per their contact with the Department of Education, which governs their service work on my behalf and the current and future legal consequences of their specific failure to perform.
Complaint sub-issue: Didn't receive enough information to verify debt

The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.
Complaint sub-issue: Threatened to sue you for very old debt

I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.
Complaint sub-issue: Problem getting your free annual credit report

Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .
Complaint sub-issue: Debt is not yours

I had a collection show up on my credit report that should not be there. I spoke with Hunter Warfield about a debt of {$1000.00} from XXXX XXXX XXXX. That is our old apartment complex but was never told that there was an amount due and all of a sudden it showed up on my report. We left the complex on good terms and now I am getting multiple calls a day from them in Florida demanding payment and threatening to notify my work that I have this collection.
Complaint sub-issue: Information belongs to someone else

i have tried to dispute this account several times with this company and the response i get is this is a valid account, ,i have asked for this company to provide me a copy of the application showing my signature and i have also asked them to provide me with the method they used to verify my ldentity to open this account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 3 inquiries on my Equifax report that I did not make. I contacted Equifax ( see attached ) and explained this to them and they refuse to delete this information from my file. The 3 inquiries that should be removed are : 1.  XXXX XXXX XXXX 2. Equifax XXXX 3. XXXX XXXX XXXX XXXX  XXXX I do not recognize and did not authorize these inquiries.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Investigation took more than 30 days

I sent a a complaint requesting that Credit Bureaus reinvestigate the disputed accounts from my credit report as well as FIXthese accounts from my report during the investigation period. As of this date, they have failed to respond to my request.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$57000.00} DP OF EDUC XXXX Balance Owed : {$71000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Transaction was not authorized

Pnc bank toke money out my Account and didnt gave me my money back someone broke in my apartment got police report and they close my account
Complaint sub-issue: Information belongs to someone else

I file a dispute with Equifax regarding to medical bills that appears on my credit report. Equifax took upon themselves to dispute all my credit cards with XXXX XXXX an I have been receiving letters from the bank stating that I reported that I did not applied for this account or that its not mine. I have never reported these accounts from XXXX XXXX as fraud. The last letter from XXXX XXXX was just received by me from the XXXX XXXX XXXX stating to fill an affidavit of fraud regarding the account and if the charges are fraud. I spoke to an investigator from XXXX XXXX and old him that I never disputed any of the account with XXXX and that I only disputed two medical bills that are listed on my credit report in a collection company which are not mine. I called Equifax executive offices and my call was sent to another country, which I do n't understand why another country would have access to my personal information and that 's why the consumers are at risk from beach and identity theft. all the creditors that are run by XXXX XXXX  are sending my fraud form to fill out and return to them.
Complaint sub-issue: Information belongs to someone else

I NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM PROGRESSIVE, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....
Complaint sub-issue: Information belongs to someone else

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that Equifax and XXXX  after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my Equifax report dated XXXX XXXX, XXXX. The third and fourth page is from XXXX dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
Complaint sub-issue: Information belongs to someone else

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me. This account is fraud. Please delete it immediately.
Complaint sub-issue: Information belongs to someone else

XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX CITIBANK NA/THD  Inquiry : XX/XX/XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.
Complaint sub-issue: Problem with balance transfer

On XX/XX/22, I noticed a pending balance transfer in the amount of {$1900.00}, which I did not request, nor authorize. This transaction was scheduled to transfer a " portion '' of the current balance on my XXXX XXXX XXXX account to my new Discover Card account. Upon applying for the Discover Card, I specifically requested a " full '' balance transfer in the amount of {$6200.00} so as to fully pay-off my XXXX card XXXX Discover only approved me for {$2000.00}, & took it upon themselves to initiate a " partial '' balance transfer of {$1900.00} with a fee of {$57.00}, without my consent! I immediately began chatting with, and calling numerous Discover agents to resolve the company 's error. First, I applied for a credit limit increase, but was denied, so I explained how I was only interested in completely paying my XXXX balance off, and not wanting to add an additional creditor with another monthly payment to my current situation, and if I couldn't be approved for the full amount that I applied for, then a complete rejection would be in order, because anything less would not be authorized by me. I proceeded to request that the pending transfer be cancelled/disputed, but each Discover agent I spoke with said that the transfer could not be cancelled/disputed while in a " pending '' status, and that I must call back once it's actually posted. Later that evening, the transfer posted, and I resumed chatting and calling the next day, requesting once again that the transfer be cancelled/disputed, just to be misinformed by each agent over a few different days worth of very lengthy chat sessions and phone calls. The final straw for me, was on XX/XX/22 at XXXX pm, when chatting with XXXX in Utah, he told me that " since the creditor received the funds, we aren't able to help dispute the transfer! '' Please review the enclosed supporting documents, as well as the above-mentioned chat sessions in my account.
Complaint sub-issue: Account status incorrect

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Complaint sub-issue: Information belongs to someone else

I have contacted EQUIFAX 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. 

Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! 

They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report