Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

In 2017 after Equifax had the worst security breach in history, I was a Victim. To this day with over 18 Inquiries I have been trying to correct for six months now no no avail. I even contacted XXXX to have the fraudulent inquiries removed from my Equifax credit report and a month ago they agreed. Equifax also agreed and nothing even gets done. In fact do you want to hear something so crazy? Equifax has an internal error in their database called Credit Splitting that happens as they have discussed with Equifax, when a consumer report gets too large in data. Giving the lender only half of the information and hurting or coming in the way of the application process getting approved.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights.

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: Reporting company used your report improperly

My names are incorrect on my credit profile. There are also inquiries that I did not authorize.
Complaint sub-issue: Report improperly shared by CRC

hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.
Complaint sub-issue: Don't agree with the fees charged

My loans were originally around {$80.00} thousand. After working with Nelnet the past few years my loans have increased to {$95.00} thousand. I have been in a deferment status for most of the year while they were " processing '' the annual evaluation of my income based repayment plan, this took nearly 5 months. I 've been with the same emplyer since XXXX 2015. My salary only increases around XXXX dollar every year. My first year with Nelnet my monthly payment was under {$300.00}. The next year my payment was close to {$500.00}. I was also contacted by XXXX XXXX aka XXXX who offered to help get my payment down to under {$200.00}, they warned me that there was a federal lawsuit against Nelnet 's parent company XXXX and that I should no longer keep them as my provider. XXXX offered to get me a new loan servicer for a monthly fee of {$40.00}, and received a letter 3 months later from Nelnet that {$2.00} thousand would be added to my loan and that they were still my provider. This never ending process of adding interest to my loan seems unethical and legal. I 've been wanting to contact a lawyer to dig deeper, but feel insecure that I might not have that correct understanding of how the system works. At this rate I will pay my student loan well into my grave, which will then probably acquire interest in the afterlife as well.
Complaint sub-issue: Problem during payment process

I have had a Macys XXXX XXXX card through Department Store National Bank. First problem, this is NOT a REAL XXXX XXXX card, and this nebulous bank name is impossible to find a " real '' point of contact. I have had 3 incidents with this bank. 

# 1 I phoned Macys and got the payoff balance for my credit card. I paid it off over the phone and stopped using the card. I was in the process of purchasing a home. There was an outstanding balance of {$2.00} cents that was not paid off ( unknown to me ). It accused months of late charges, and when it came time to get my mortgage, I was denied because of this credit card late charges. Which, because I normally bank online, thought was PAID OFF months ago. Despite 12 phone calls to Macys Customer Services begging and pleading, they would not change the report to the credit bureaus and I lost the house I was trying to purchase and had to wait 6 months to clear up the credit report. 

# 2 I purchased 2 coats online with what I thought was my only macys  charge, my Macys XXXX XXXX card. Week later, returned both cards to store with receipt. when I got my statement there was a XXXX balance, as expected. Two months later, I get a late bill because the cashier returned the coat to my inshore card!!! Which I did not know I had. I was charged late fees, etc ... .Ended up paying in the end! 

# 3 In XXXX my bank gave me a HELOC to pay off my credit cards. They paid with a cashiers check mailed to Macys. It has been 3 months now, and my card still had not been credited for the payoff. I have phoned them 16 times now, and they keep telling me they will research it, but nothing is done. I now owe XXXXXXXX XXXX {$800.00} and Macys {$800.00}. Neither bank will do anything! Criminal
Complaint sub-issue: Can't decrease my monthly payments

I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, XXXX XXXX, and Citi credit. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to XXXX  XXXX and they have refused to remove the inquiry. I have also contacted Citi bank Home Depot Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX RI XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Debt was paid

I paid off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.
Complaint sub-issue: Information is not mine

There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.
Complaint sub-issue: Information belongs to someone else

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 's. On XX/XX/2019, 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 conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute regarding incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Public record information inaccurate

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Complaint sub-issue: Received bad information about your loan

My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$24.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; 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: Inadequate help over the phone

I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.
Complaint sub-issue: Account information incorrect

I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.