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

Equifax is reporting misleading or unproven information damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitations. They are reporting inaccurate unverified information on my credit report. I have called XXXX XXXX XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects.
Complaint sub-issue: Personal information incorrect

I'm not sure exactly when I discovered that may Equifax credit file is basically blank. Showing only one account in my history and no current accounts at all. I have requested my credit report from Equifax several times through XXXX   but always received information back that my information didn't match so I needed to send in proof. I started using XXXX  XXXX XX/XX/XXXX to start trying to figure out what was going on with my credit. I have been a victim of identity theft and wanted a way to try and monitor credit on my own without paying a cost. This is when I saw that my address of Equifax is a Texas address that I did live at but over 10 years ago. The address is showing as current. So this is the reason I believe that my credit file is blank because the address is showing Texas but I live in NC. From XX/XX/XXXX-XX/XX/XXXX I have sent documentation to Equifax but always received information back that I needed to send in the same information proving my address. I had done this several time. I got frustrated and decided just to not care and hope it would get fixed. 

XX/XX/XXXX I decided to try a different approach. This time I sent the request to update my address certified mail. I received a document from Equifax that was dated XX/XX/XXXX that my address was updated based on the documentation I provided. As of today XX/XX/XXXX my address on XXXX XXXX for Equifax still has the old Texas address. I was apart of Equifax breach and have access to free credit reports through Equifax also. My address on TrustedID Premier provided by Equifax is still showing the old Texas address. 

I emailed Equifax on XX/XX/XXXX and asked why the address had not been updated based on the letter dated XX/XX/XXXX saying it would be updated. The response was to call and speak with a representative. Calling provides me no way to document what is going on. It allows Equifax to continue to give me the runaround. 

I would like my credit report updated to show my current address not a address from over 13 years ago. This shouldn't be a process that takes years to correct.
Complaint sub-issue: Not given enough info to verify debt

Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
Complaint sub-issue: Information belongs to someone else

I have reached out to Carmax Auto Finance numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with Carmax being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Complaint sub-issue: Personal information incorrect

I have sent my change update of information to the letters to the credit bureau to update my name and address however to be reported correctly but the credit bureaus have fail to do so
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICEFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Complaint sub-issue: Reporting company used your report improperly

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} US DEPARTMENT OF EDU Original creditor XXXX DIRECT LOANS XXXX Balance : {$3000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$4300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$1600.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2200.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$7000.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$2700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$5400.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202 XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXX acct # : 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.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I got charged twice by XXXX XXXX XXXX  in XXXX for services. I contacted my credit Card Company Citi-Cards to get one of the charges refunded. I also contacted XXXX stating that I got charged twice. XXXX has told me they have refunded one of the charges on XX/XX/XXXX, as of today I do not see a refund on my credit card account online. I am enclosing letters from XXXX confirming that they have refunded the charge. I have talked to the dispute department with Citibank but I am not getting anywhere they keep telling me that they are investigating. I first requested a refund in XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of the Equifax data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I spent over XXXX hours on the phone ( mostly on hold ) with Mohela we talked to XXXX ( ID # XXXX ) XXXX acknowledged certification from XX/XX/XXXX until XX/XX/XXXX. During that time I made XXXX qualifying and certified on time payments. Mohela assume the loan from XXXX on XX/XX/XXXX. Since that time communication has been awful. I submitted XXXX certification to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Any or all of these certifications should have been sufficient. These originally were marked " wait 90 days for processing '' then later updated to " duplicate, not processed ''. This appears to be a modus operandi as on the XX/XX/XXXX I was assured that the the certification appeared to be in good order and that the processing of loan forgiveness would be " Expedited & Escalated ''. Several days after the conversation it was updated from " expedited and escalated '' to " Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. '' I am certain if some one competent in there organization reviews this case file it can be resolved within XXXX minutes. But since I can't get a response I am now submitting complaints to CFPB, XXXX the US Department of Education, and Senator XXXX XXXX. 
That make take Mohela more than XXXX minutes to resolve. 

At present Mohela Payment tracker shows XXXX qualifying prior to XX/XX/XXXX. As such please verify that the certification submitted represented certifies at least 3 additional months. Also please verify that XXXX + XXXX = XXXX. My XXXX qualifying, certified, on time, eligible payments far exceeds the XXXX required by law. Please discharge the debt as required by law.
Complaint sub-issue: Reporting company used your report improperly

In working with Citi cards. They reduced my line of credit down from XXXX to XXXX to the amount that i owed on the account on XXXX of 2020. Then they reported on my credit report that i had maxed out my line of credit. I get it covid and the need to protect their interest. But over the course of the next 11 months i paid on time and tried to pay more than the minimum. On XXXX I paid XXXX down on what i owed on the account and on XXXX they reduced my line of credit down again to the amount that i owed of XXXX. 

Their response was that my reduction was due to my credit score. Well my score stayed flat and even their fico score show only 1 point of movement. Well i ask these questions of citi card 1- If i make another large payment will my line of credit be reduced again ( their response was that they were not sure ) 2- I asked what step i needed to do to help increase my credit score with their company ( their responded was that they do not have any steps or process to improve the score. ) 3 - I asked if i had any late payments or covid paused on the account and they said i has a clean payment record for the past 5 year but they are not sure how this impacts my score.

4 i asked if there was another covid stimulus payment and i applied it to my account what would happen -- they responded that they would love the payment and were not sure if my line of credit would remain the same. 

Long and short citi cards at XXXX are destroying my credit and making it difficult to recover my credit score.

The reason for the large payment was to reduce the amount that i owed and get the maxed out line of credit off of my credit file. I certainly did my part my saving and making my payment on time so this line of acting is damaging to anyone who is trying to recover.

The fact that i am concerned with is that there is a lot of other people that once they are credit line maxed out their credit interest rate also will go up. I have seen other card that i have go up a point or 2 just because of this type of action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple times requested validation of some inquiries that I NEVER authorized to the company ignoring me. I did call these companies and was told they have no record of me and to contact the reporting agency. I didnt authorize these. 
Attached is last letter sent to the agency.
Complaint sub-issue: Debt resulted from identity theft

XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly
Complaint sub-issue: Was not notified of investigation status or results

Submitted Equifax dispute, confirmation number : XXXX Was informed the dispute would be resolved by XX/XX/XXXX. 
Now, after checking almost daily for a month for the results online, I am no longer able to check the status online as Equifax claims my information does not match their file online. 

I called and spoke to an outsourced Equifax customer service representative on XX/XX/XXXX and was able to get verbal confirmation that the credit dispute had been completed, but I am unable to get written confirmation that the disputed item has been resolved. During this conversation the customer service rep reported he believed my address was listed in error and tried to update it, which I believe he input incorrectly and I did not receive a confirmation email of this change either. 

Today, XX/XX/XXXX, I have tried to request my Equifax credit report to verify that the item in dispute was updated or deleted, and my online request was denied both when utilizing XXXX and equifax.comXXXXXXXX and I am unsure if it is related to this customer service representative 's change of my information or for an unrelated reason. 

I am unable to get a human being on the phone who can help me resolve this.
Complaint sub-issue: Problem getting report or credit score

I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.
Complaint sub-issue: Reporting company used your report improperly

I tried to apply for a loan and on my credit report it said I had another strong inquiry XXXX XXXX Bank
Complaint sub-issue: Information belongs to someone else

I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.
Complaint sub-issue: Investigation took more than 30 days

THIS IS NOT A DUPLICATE My initial complaint was not taken seriously as I was sent a generic response and no follow up before complaint was closed. 

This complaint is regarding the XXXX XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. This was an apartment complex I was living in up until XX/XX/2018. My complaint is not that it's a fraudulent bill, but rather that I never received the bill or collections notices at the correct forwarding address. After speaking to both XXXX XXXX and the XXXX XXXX XXXX, they confirmed that they were both sent to the same inaccurate forwarding address. XXXX and XXXX XXXX sent the final bill to XXXX XXXX XXXX XXXX OH XXXX. This was NOT the correct forwarding address, I never received the mail/notices, and I have documentation proving I was not living at this address at this time, or ever. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. I was never given the opportunity to pay the bill or take care of the collections notice, and my credit report is being punished..
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Please refer to complaint # 's XXXX and XXXX. Citibank recently sent a statement saying they are not returning my funds but will remove the retaliatory remark they put on my credit which negatively affected it. They have not sent me proof of their investigation but base their decisions off of unknown findings they will not reveal to me. I am requesting all findings from the investigations they claim they have conducted to be forwarded to me with all monies returned to my account.