Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I made a purchase from an online company for {$100.00} and never received a receipt. I tried to call the company and the phone number was no good. I tried to contact them by email but it came back as undeliverable. I contacted Cash App, who I'd made the payment through ) and my dispute was denied. Cash App didn't provide an explanation as to why it was denied. For weeks I've been dealing with their customer service support department and have only gotten the run around. I've called their support phone number and again, haven't gotten any assistance and can't get any answers. I've provided Cash App with documentation that the company that I tried to make a purchase from has been reported as a scam. I want my money returned and once that happens I want to close my Cash App account and will never do business with them again.
Complaint sub-issue: Attempted to collect wrong amount

Company is trying exacerbate the amount of debt I owe. Claiming I owe over {$300.00} in interest on a {$160.00} balance of a card that is not even 6 months old. I offered to pay the balance of the card of {$160.00} and they still want me to pay ridiculous amounts of interest.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, I initiated a transfer of {$3500.00} out of an investment account to a different bank. The micro-deposits to verify the account were successfully completed, and the {$3500.00} was removed from my Betterment investment account. When I still had not received my funds into my checking account on XX/XX/XXXX, I called and emailed support. After a lengthy process of using the online chat, email, and phone calls to support, I learned that Betterment was requesting further verification of my account. I completed this verification step and reached out via email, chat and phone for support on XX/XX/XXXX. I have called every day since, but I have not received any response from Betterment. 

This morning, I called Betterment support and asked to receive a call back when I reached the front of the queue. I received an automated call back 90 minutes later, answered the phone, and continued to sit on hold for 5 minutes before my call was disconnected without anyone answering.
Complaint sub-issue: Debt is not yours

I disputed this alleged debt numerous times and it keep getting sold and settled to multiple collectors even when debt was ceased and i was sent a 1099 from collector.I disputed this debt back in XXXX, and now XXXX.The company agreed to cease collections but yet company has broken federal law thinking I don't know my rights which gives me the privilege to sue collector for breaking the law.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax to report fraudulent inquiries. I never received a noticed with proof the inquiries belong to me under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Complaint sub-issue: Debt was paid

XXXX XXXX Bank of the West payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Complaint sub-issue: Public record

XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CXX/XX/XXXX XXXX -- -> : {$320.00} XX/XX/XXXXV : XXXX -- -> : {$330.00XX/XX/XXXXXXXX : XXXX -- XXXX : {$3700.00} IXX/XX/XXXXR : XXXX -- > {$12000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed 10 hard inquiries on my equifax report with equifax and they stated that they have been verified. So on XX/XX/XXXX I wrote a dispute letter and mailed it to equifax asking them to show proof of how they verified these hard inquiries and to show permissible purpose. They said to contact the creditors. Ive contacted several of the creditors and theyve told me theres no proof of application or info on me. Equifax is not reporting on my credit report correctly and I want these inquirys removed immediately. 
I also disputed a collection account that I do not believe is accurate or belongs to me. XXXX XXXX. I mailed this dispute letter in on XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX Balance XXXX {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. 
Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. 
I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..
Complaint sub-issue: Information belongs to someone else

I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.
Complaint sub-issue: Personal information incorrect

Equifax has not mailed me updated report to the information been corrected or updated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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: Problem getting report or credit score

I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting a 90-day late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.
Complaint sub-issue: Information belongs to someone else

I have two student loans account that are on XXXX and Equifax due to Fraud! They were listed on XXXX but were removed XXXX XXXX, 2017 with police reports and ftc affidavits. XXXX forwarded the information to both XXXX and Equifax which they have to do because its a identity theft/ Fraud situation. XXXX refuses to delete the accounts as well as equifax. XXXX I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Complaint sub-issue: Can't close your account

I decided on XX/XX/2021 to close 2 accounts at Citibank due to their unavailability on the telephone ( I have an online account ) and their representatives ' consistent inability to help me ( if I ever got one on the phone after repeated calls and wait times in excess of 20 minutes. ) I called, was put on hold for 23 minutes, then a representative named XXXX told me to simply withdraw or transfer the money in the account to XXXX. He said the account would automatically be closed in 30 days. Since then they have been charging fees on the accounts, and have been robo-calling, emailing and texting relentlessly to collect these charges on a " closed '' account. All this for about {$65.00}. 
Today ( XX/XX/2021 - Sunday! ) they called again and I decided to try to get this resolved. I was again put on hold and finally transferred to someone in the customer " service '' department named XXXX. I told him what happened and he tried to sell me on more accounts and became very adversarial and argumentative when I told him I was not willing to wait on hold indefinitely. I ended up hanging up on him.
Complaint sub-issue: Company closed your account

Discover card account in place since 2011 Account was closed without notification {$0.00} balance account with a {$3500.00} credit line Closure reduced my FICO score by 10 points When I contacted Discover they refused to reopen my account despite closure not being credit related, closure was due to not using the card This is a predatory practice as a natural result of reducing a consumers denominator in their debt usage ratio is reduction in FICO, which means long standing accounts with Customer-friendly rates and terms can be turned over and converted into newer less Customer-friendly accounts with higher rates and less benefits This is a violation of UDAAP due to its a usive effect on the Consumer
Complaint sub-issue: Their investigation did not fix an error on your report

I sent three requests to investigate and send proof of inaccurate information on my credit profile on XXXX and XX/XX/XXXX and have yet to receive and proof. I am looking to purchase a house and this is preventing me from accomplishing my dream
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I lost my credit card when my wallet dropped and spilled it's contents in a very busy public place. I did not realize that my card was missing until I received a billing statement for merchandise that was fraudulently purchased with the missing card. I then reported the card missing and followed up with a confirmation letter. I complied with all the company 's requests except the filing of a police report as I was told by the detective that I was not the victim. They could only take a report from the credit card company or the individual merchants. The company now states that I still owe the money.
Complaint sub-issue: Information belongs to someone else

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX 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: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Date Opened XX/XX/2013 XXXX {$0.00}.
Complaint sub-issue: Can't get flexible payment options

I had to defer my payments to start due to XXXX for my child and accumulating medical debt. Now They say I do not qualify for this. I Thought I was deferred and while applying for mortgage i find out i 'm actually in collections! I wan to start paying now, but can only afford what I can. I 'm not getting these choices. Im trying to consolidate
Complaint sub-issue: Information belongs to someone else

equifax is supplied here again with the information to block reporting of dept of ed XXXX acct XXXXx.equifax is a scofflaw regarding the fcra.the dept of ed receives XXXX requests for credit correction, according to an outgoing executive.the dept of ed is overwhelmed and can not handle their workload, equifax damages me tens of thousands of dollars.
Complaint sub-issue: Debt was paid

Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.
Complaint sub-issue: Personal information 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, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from Equifax, XXXX, and XXXX. Also, XXXX  is taking a long time on their Data Hacking Settlement.
Complaint sub-issue: Overcharged for something you did purchase with the card

XX/XX/2021 had dinner at XXXX XXXX in XXXX XXXX. When the bill arrived paid {$400.00} in cash and charged {$150.00} on Citibank Visa credit card. When the statement arrived I was charged {$550.00} the entire amount. Contacted Citibank Visa and disputed the amount. Citibank decided I had to pay the entire amount and would not supply me with a copy of the receipt. Contacted the XXXX  XXXX restaurant and they said they would issue a credit for {$400.00} but that never happened.
Complaint sub-issue: Received bad information about your loan

I was mistakenly lead to believe that my XXXX loans would qualify for forgiveness under XXXX However, my loans were a spousal consolidation from back in XXXX  and apparently does not qualify. Basically, I was told that my 21 years of XXXX XXXX  does not count because of my great sin of being married while repaying a student loan. This is a great injustice. It is discrimination against being married. These loans were consolidated in good faith with the Department of Education. My XXXX XXXX should count towards the XXXX program. They no longer allow spousal consolidation, but they should fix this ASAP and honor the few of us that are being screwed over by this. What a disservice to public service!
Complaint sub-issue: Was not notified of investigation status or results

Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts