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

Here we are again, Equifax is steady stalling instead of fixing MY problem! This is completely ridiculous and incompetent of them. I have already provided the ACCOUNTS that are ID theft in my complaint but yet they are STILL asking me to list the accounts that need to be investigated. Are you serious?? YOU all are asking for legal action to take place. REF the previous complaint for when they asked me once again for the accounts that I am referring to XXXX. 

I will attach my ID theft report one last time. You all need to do your job as a consumer reporting agency. You have failed to uphold your grave responsibility as required by the FCRA to ensure the maximum accuracy of my information as the consumer and do what is fair and equitable to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX - XXXX XXXX, KY XXXX  XXXX XXXX XXXX , XXXX   XXXX XXXX ( ORIG CREDITOR NAME : XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I have been tryong to correct my XXXX XXXX from erroneous information and yet the Credit Bureaus have been negligent of their XXXX responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

Back in XX/XX/2019 I called about changing my plan from income driven to a graduated plan where the payment gradually increases. Was told that they could and it would take 5-10 business days to go in effect. I called a few more times and was ultimately told wrong information. In fact it wasn't until mid XXXX that I was told that I had to make 3 consecutive payments on time to switch plans. My loan was almost in default - after much back and forth the rep told me if I made XXXX payment for 3 consecutive months on time that I would be able to move to the graduated plan. I would need to call them immediately after the third payment was made. This Month after I made the third payment on the XXXX of XXXX, I was told that it would take 5 business days to take effect. I called after the 5th day and was told that it should be any day now. I waited a few more days and called again and was told the same thing. I called again and was told they would expedite the request and was assured it would go through. I called today and was denied because I had a 'forced income driven plan ' and my account had to be in good standing to pay three consecutive months. THIS IS UNACCEPTABLE! Because I was told incorrect information twice I am in danger of defaulting the loan because I can not continue to pay XXXX a month. I feel like I'm being scammed. I spoke to the supervisor and he could not help and said there was nothing he could do. He kicked it up to another level of management but I feel I'm going to get the same story. I need help and feel helpless here. I feel like they should honor the request because it is not my fault I was given bad information - I feel like the reps are not trained properly to help people. I really need to have these lower payments and feel like they should honor it by changing my payment plan because I made 3 on time consecutive payments. I feel helpless here.
Complaint sub-issue: Trouble with how payments are being handled

Good morning. As it is known worldwide, there is a COVID-19 Pandemic going on. I requested forbearance for my student loans ( which should of been stayed automatically ) and to my surprise, I received an automatic debit from AES in my account where no funds are available plus I requested a forbearance via AES 's website. 

I am being charged fees for overdraft and will pursue this issue as AES/PHEE and/or any servicer that has managed this account has caused great damage, harm and other damages. 

Stop auto debit as CARES  and and Families First act requieres, pay damages and return fees. Plus their is another complaint regarding illegal fees charged which is not closed and am awaiting for CFPB to inform about appeals and legal process and or guidance as how to proceed. 

Thank You XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Tried calling the company but the want return my calls at all
Complaint sub-issue: Their investigation did not fix an error on your report

Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later
Complaint sub-issue: Information belongs to someone else

My Credit Information has been merged with my twin brothers information. 
When I attempt to " report a dispute '' on XXXX, Equifax, and XXXX, I am unable to report because I can not properly confirm my identity and my request to be allowed a dispute is denied. 

The reason I can not properly identify myself is because the 3 companies have merged my twin brothers information with mine. We are two different people sharing the same birthdate. They merged his social security number as mine. They merged his name to be mine. They merged his employers, his credit cards, his car loans, etc. 

When I call them to correct the issue, I can not answer their identity questions because their questions are regarding my brothers credit history, not mine. 

There should be one place to correct misinformation in this system. Why do I have to goto all the reporting credit agencies and fix the problem. Whomever is merging this data needs to correct the problem and send me a credit report with it corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen and used to open fraudulent accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has closed the accounts and sent letters to Equifax requesting removal of the fraudulent credit inquiries showing up on my Equifax credit report. Despite multiple disputes with Equifax, they are still not removing these two fraudulent credit inquiries.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

AutoCash finance will not release after car loan have been paid. They say the are not able to release the Georgia electronic lien.
Complaint sub-issue: Information belongs to someone else

I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the XXXX however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX someone fraudulently used my Citi Bank XXXX XXXX credit card to make purchases at XXXX and XXXX. I have never used these websites, or even heard of XXXX prior to this. From XX/XX/XXXX to XXXX, there were approximately XXXX transactions on the card totaling {$33000.00} by my calculations. Citi bank never informed me of these fraudulent charges despite how many there were. It was only after I checked my balance online did I see the charges and notify them. I also immediately notified XXXX. 

I was asked to be patient by Citi and was told it could take two or three billing cycles to resolve the issue. I have not received any communications from Citi or XXXX to keep me informed as to the progress. All that I've been told from Citi was that the investigation is closed and resolved via email. It does appear that there are credits on the account of {$38000.00}. I have no idea why that amount does not coincide with the {$33000.00} in fraudulent charges. 

My issue now is that I still have a balance on the card in excess of {$14000.00} and the XX/XX/XXXX statement shows approximately {$18000.00} in new charges from XXXX dated XX/XX/XXXX through XX/XX/XXXX that have post dates of XXXX and XXXX. These are duplicate charges that now appear as a balance. I was told by a representative in the Citi fraud dept on XX/XX/XXXX that those are rebilled as there are duplicate credits on the account from Citi and XXXX that need to be rectified. As you can see, this is extremely confusing and the card statements are impossible to follow and add the transactions correctly. I am not a forensic accountant! I have gotten no help from Citi either. I attempted to contact customer service last week and was on hold for over two hours before I finally hung up. I understand that staffing is down with the current Covid19 situation, but frankly, that is not by problem and this situation should have been resolved before now anyway. 

I have been patient for over three months and still have a balance on my card over {$14000.00} that is incorrect. My credit score has been affected and this is all through no fault of my own. Frankly, the onus is on Citi as their security dept should have frozen the account way before XXXX transactions went through. They have made minimal effort in fixing this and clearing my credit.
Complaint sub-issue: Debt is not yours

I received a debt collection notice from MRS BPO , LLC XXXX : //mrsbpo.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from XXXX XXXX XXXX , I returned their form starting this is fraudulent.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax which mistakenly has the wrong spelling of my name. This is not my name. My name is not XXXX. They asked for evidence, I included images of my driver 's license ( attached ). They denied my claim, because they said I hadn't submitted evidence. I contacted them and told them I had submitted the evidence. They found it and said they would get back to me. They maintained the dispute anyway. I have no accounts in the name XXXX anywhere because this is not my name.
Complaint sub-issue: Information belongs to someone else

fcra violations not mine : XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3200.00} Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. 



not mine : remove it : XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Resident XXXX XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX CT XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, VA XXXX Resident XXXX Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX type Apartment complex
Complaint sub-issue: Account information incorrect

I opened an account with Macys, and decided to pay the card in full back in XXXX. at that time I was not getting statements in the mail, they were being sent via email. 
so I proceeded to pay the card in full but they kept billing me {$2.00} as a service fee that I had no knowledge of, I pulled my credit XX/XX/XXXX XXXX and there is a charge off listed on my report. I would like to get this removed as I had no knowledge that a charge off was going to be placed on my account. 

Please help
Complaint sub-issue: Personal information incorrect

Please remove any variation of my name that are not XXXX XXXX XXXX I have attached my birth certificate. 


Please remove any addresses that are not XXXX XXXX XXXX XXXX PA XXXX. 

I have attached my Drivers License.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Report improperly shared by CRC

Per Equifax reinvestigation confirmation dated XX/XX/XXXX, Equifax has provided my information to XXXX XXXX, XXXX, and XXXX without my permission and authorization. I did not file a dispute concerning these XXXX companies. I do n't have an active account with XXXX XXXX. I have never had a XXXX account. I do have an account with XXXX, but I do n't have any disputes regarding my XXXX account. It hasnothing to do with my account Equifax dispute. Also, per this confirmation, Equifax has removed my home address from my credit file. I did not dispute my address and Equifax has refused to tell me why they removed my home address. Equifax requested a copy of a bill showing my home address. I provided Equifax with copies of my current XXXX XXXX XXXX bills in order to restore my home address as the 1st previous address on my credit file. My PO Box address is listed as the current address. My issue with Equifax began with a fraudulent inquiry from XXXX XXXX XXXX. Following my request that Equifax remove thefraudulent inquire, Equifax has continued to escalate the issue by removing my home address and now sending my information to XXXX more companies. I have contacted Equifax via telephone numerous times and by submitting numerous disputes. I have placed a security freeze on my credit file. As a result of the credit freeze, Equifax sent me a letter stating that they have received a new address and change of address request. I do not have a new address and I did not submit a change of address. Equifax is referring to my PO Box as a new address. My PO Box has been on my Equifax file since XX/XX/XXXX. It is not new. I have attached a copy of the confirmations dated XX/XX/XXXX and XX/XX/XXXX, along with a copy of the change of address notification that I received. This is beyond ridiculous! 

I want to know what information was provided to XXXX XXXX, XXXX, and XXXX. I want a copy of the documents that were provided to each of them. I want to knowwhy my information was provided to these XXXX companies. I want my home address restored as the 1st previous address on my credit file as it was on my Equifax XXXX dated XX/XX/XXXX and prior. I want a correct copy of my Equifax credit file that includes my physical home address as the 1st previous address.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Personal information incorrect

I received a letter from XXXX XXXX dated XX/XX/2019, indicating I was denied credit because of a low credit score. The list of reasons for the low score provided by XXXX XXXX make clear that the file held by the reporting company XXXX XXXX contains errors. I have attempted to contact XXXX via phone, leaving voice messages several times over the last week, but they have failed to contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is in violation of UDAAP reporting of a debt with XXXX XXXX 'XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX 's XXXX on XXXX/XXXX/2019. I worked for a XXXX XXXX XXXX so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX  ( violation of FCRA ). THIS IS false reporting. 

XXXX XXXX 'XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX EQUIFAX AND XXXX  XXXX   DELETE REPORTING on credit report for XXXX XXXX XXXX and the named account below : XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX  XXXX XXXX  ACCOUNT NUMBER XXXX PLEASE DELETE THESE ENTRIES.
Complaint sub-issue: Their investigation did not fix an error on your report

I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD
Complaint sub-issue: Trouble using the card to spend money in a store or online

This is a US Bank Visa debit card. I'm forced to use it to collect unemployment in the state of Pennsylvania. My card was frozen by the bank unknowingly. I contacted bank once I realized I couldn't move funds into my normal checking account. Operator said it was because they needed me to verify who I am. I sent selfie and copy of my state ID. I also uploaded my social security card and bank statement to my account. I was told all last week that this process would take 24-48 hours and account would be active again. It's now a new week and my account is still frozen. I spoke to two operators yesterday who claim that the issue has been lifted but the second operator said for some reason he is unable to make my card work again. More waiting and being told to give it another week and keep checking my account and if it's not lifted by next week to call back. My money is being held and each operator just lies and says " wait more days ''. It had gone from 24-48 hours to now check back next week. This is unethical. I have bills to pay and this " bank '' is just saying whatever they want to get you off the phone. Long wait times ( 1-2 hours ) to speak to someone. Sometimes while on hold for over an hour they disconnect the call. Once you do get through its a game of telling you lies to get you off the phone. No one has any ability to do anything for you. 

This all started on XX/XX/XXXX. Amount in account is {$280.00} with another {$210.00} being deposited tomorrow. I'm reading online reviews from others that they are dealing with the same situation for 30-45 days. I do not have a month worth of time to not have access to my money. The information they requested was sent. I did my part but they are purposely not doing they part. This is fraud.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There is a transaction that I'd like to dispute on my US Bank credit card but the web form is not working on their website. 

The transaction is : XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX Ca totaling {$1900.00} I have no knowledge of this transaction and I do not know what is it for. I have not received any merchandise or service from the merchant charging me.
Complaint sub-issue: Account information incorrect

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.