Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I have reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXX XXXX  XXXX TX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Received bad information about your loan

For the last 6 months the company has made it so difficult to consolidate my loans. When I XXXX  college on XX/XX/2021 I was told to wait about 30 days to have my loans be removed from an " XXXX '' status on FedLoan. I waited that period and submitted a consolidate application on the FAFSA webiste and called about a month later. I was told by an agent that I was forced to stay on a " Forbearance '' status due to the pandemic. The agent also said I would have to wait until next year in XXXX to be able to resubmit another application. I fault that was a lie because not every single person was affected by the pandemic and we all should not be forced into a Forbearance status if it was not needed. So I called a month later in XX/XX/2021 and got another agent who stated that the agent was misleading and I could opt out of forbearance so I can submit my consolidation request. However, I was not able to because the system on FAFSA was showing that I still had a pending consolidation that was submitted back in XXXX. I was unable to create another one so the agent said he would do it manually and that I would need to call back. so sometime in XXXX I called and the customer rep told me that she sees my appliation and that she would transfer my call to consolidations, the wait was so long that I hung up, I felt like things were going correctly finally but today I called and the consolidation department told me that there was no such application and that I missed the 180 day deadline to get my application in. Finally I requested a manager and asked if they could review the last 4 calls on my account to see that I have been mislead and lied to about consolidating my loans. It seems as if the company is trying so hard to now allow me to do that. At the moment its impossible for me get a consolidation now because as of XX/XX/2021 I am now in an " XXXX '' status. I know how this company operates and its just so unbelievable how this is happening to my account. I have submitted proof of XXXX and it showing on there but my PSLF is still pending as well. I think there is a bigger issue at hand and some corruption that needs to be investigated. If you could just hear the last 4 calls on my account you can see that this company is refusing to do its job.
Complaint sub-issue: Old information reappears or never goes away

I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.
Complaint sub-issue: Reporting company used your report improperly

Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.
Complaint sub-issue: Information belongs to someone else

I noticed a credit card from XXXX XXXX. It is not mine. I contacted this creditor and informed them that this is fraud. I don't have this card and never applied for it. They are still reporting it on my credit and whoever has the fraudulent card is still charging on it because the balance is steady going up. XXXX XXXX never even closed the card out
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
Complaint sub-issue: Privacy issues

XX/XX/XXXX - approved for new Citi Double Cash credit card XX/XX/XXXX - still did not receive card so called. Recording asked for full social security number ( not just last 4 digits ). Recording stuck me in a loop as I don't want to enter my full social. Representative answered and also requested my full social security number. I said no and that I was fairly certain it was illegal for her to have that kind of access. 
XX/XX/XXXX complained via survey regarding the social security number issue XX/XX/XXXX complained via chat to Citi agent " XXXX '' as no follow up had occurred from Citi. XXXX logged a complaint report but did not advise if/when I would hear follow up and how my concerns about this security issue/breach of privacy will be remediated. I was provided with a case number - XXXX - but do not feel confident that Citi will take steps to protect its consumers.
Complaint sub-issue: Account information incorrect

one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX  All three credit bureaus have receipts of payment made prior to 1St but still have not removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX & Equifax used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account.

No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX- Contains several errors and other sensitive information. This letter received today states- LexisNexis responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, LexisNexis could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

Lexis Nexis as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND LEXISNEXIS DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. LexisNexis has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Complaint sub-issue: Information belongs to someone else

This is the Second Time that I'm having a problem with my credit these account needs to be block. this is bad for my personal life and business can these account be taking off my account thank you
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.
Complaint sub-issue: Information belongs to someone else

this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since EQUIFAX REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XX/XX/XXXX NOT AUTHORIZED. PLEASE DELETE XXXX XX/XX/XXXX NOT MINE. PLEASE DELETE.
XXXX XX/XX/XXXX MINE.
XXXX XX/XX/XXXX NOT MINE XXXX XX/XX/XXXX NOT MINE. NO CLUE WHAT THIS IS XXXX XXXX XX/XX/XXXX DEF NOT MINE.
XXXX  XX/XX/XXXX NEVER HEARD OF THIS COMPANY, NOT MINE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE XXXX/XXXX XX/XX/XXXX NOT MINE.
XXXX XXXX XXXX XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX/XXXX XX/XX/XXXX NO CLUE WHAT THIS IS. PLEASE DELETE.
Complaint sub-issue: Debt is not yours

I filed a dispute with XXXX for a company called Mechants Preferred LE. The address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am a victim of identity theft. Someone has been taking out a lease on something for {$7000.00}. The date it was opened was XXXX XXXX. I have already filed a police report and told the company and XXXX, but know one is doing anything. At this point if you all can't help I will have to file a police report. This is the second time someone leased something in my name.
Complaint sub-issue: Investigation took more than 30 days

I have written and mailed letters to dispute inaccurate information on my report for several months recently and have not received responses from any of the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate if your taking the time to CORRECT some of the information in my credit file ; I discover, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XX/XX/XXXXDate Opened : XX/XX/2020 Balance : {$5400.00}
Complaint sub-issue: Account status incorrect

9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), XXXX  closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through XXXX, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX  XXXX  XXXX XXXX, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXy {$630.00} XXXX {$910.00} XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a 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: Information belongs to someone else

Hi my name is XXXX XXXX and I recently reached out to XXXX and Equifax to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.
Complaint sub-issue: Trouble using the card to spend money in a store or online

We received our Gift card from my mom who purchased the card last year in XXXX. The card was by XXXX, XXXX. This card was purchased in XXXX, Ca. by Mom. We were saving the card for our 25th wedding anniversary in XXXX. My wife checked the balance in XX/XX/XXXX this year and discovered all but {$3.00} had been spent by someone other than ourselves. The card was number stolen and used to buy an item online. We still have the card. We were sent a letter on XX/XX/XXXX. Stating we did not dispute the charge of {$190.00}, never mentioning the car number was stolen and used.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.
Complaint sub-issue: Problem with fees

I logged into my Best Buy account to check my account activity. I wanted to see how much I paid on my previous due date. When I logged on and reviewed the statement I noticed a {$10.00} fee called XXXX XXXX  XXXX. I initiated a chat with one of their customer service reps and they told me the charge was a debt protection plan and that I could call the number listed next to the amount. The next day I called Best Buys credit card service and the representative I spoke too knew exactly why I was calling and she told me that since I did not authorize these charges that they would be refunded. She then asked to place me on hold. I was on hold for a few minutes, and then I was transferred to a recorded message that had already begun to play telling me the office was closed, and asking me to call back during business hours. I called back the following day, XX/XX/XXXX, and spoke to someone else. I explained the scenario again that I am being charged some fee each month for something I didn't enroll in or authorize and I wanted to cancel it and request a refund. She unenrolled me and then attempted to end the call so I reminded her that I wanted to request a refund for the charges. She told me that she would request the refund and I asked her for some type of confirmation number and she gave me " XXXX  '' and told me I would get a letter 30 days later. After this call I decided to do some research online and it appears that Best Buy has been doing this for a while and there are hundreds of complaints posted on various sites. I called the customer service line again the next day and explained that I found some information online and from what I saw they don't process refunds. I asked her if I really needed to wait 30 days or if she could just tell me now based on her experience with this issue if a refund would be processed or if refunds had ever been processed because this is a complaint they are clearly aware of. She told me they didn't have an answer in her department and when I asked which department does she said there wasn't one that could answer my question.

This practice is predatory and damaging to consumers. After looking at all of my available account statements I conclude this fee was a % based on the account balance. My last statement I paid the minimum payment of {$39.00}, they then applied interest in the amount of {$25.00} and the fee in the amount of {$10.00}. Making the amount I paid only {$2.00}. Best Buy is aware of their predatory and malicious practice as demonstrated in a letter from XX/XX/XXXX addressed to XXXX XXXX XXXX, the Board of Governors of the Federal Reserve System. In the letter they are making a request to alter the Boards recommended disclosure for debt cancellation. I feel that being asked to wait 30 days for this to be resolved is another tactic where they may be trying to pull a rug out from under my feet. This practice is malicious and done with intent of making money off consumers with non disclosed fees.

Thank you for taking to time to consider my complaint. Any help towards a just resolution is truly appreciated.