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

Equifax continues to have a fraudulent business account from XXXX XXXX XXXX  on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.
Complaint sub-issue: Their investigation did not fix an error on your report

SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX USA OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

I am a public servant enrolled in an income driven repayment plan, pursuing public service loan forgiveness ( PSLF ). The department of education has published guidelines on their website regarding resuming payments after the end of COVID forebearance. Per their website, since I was already enrolled in an income based plan, I will remain on that plan and I will not be required to recertify income until XX/XX/XXXX at the earliest. However, my student loans were recently transferred from XXXX to MOHELA, and my payments went up from $ XXXX to $ XXXX. They said the only way I could reduce my payments was by recertifying, but this is contrary to information on the studentaid.gov website, and recertifying will still increase my monthly payment as my income has increased since before the COVID forebearance began. Based on my understanding, my payment should resume at the previous amount, $ XXXX, and my recertification should not be due until XX/XX/XXXX. By forcing me to recertify early, I would be paying higher amounts than required from XX/XX/XXXX to XX/XX/XXXX. The customer service at MOHELA has been unhelpful, said they were unaware of the XX/XX/XXXX recertification date, and had no history of my prior payment amounts as this information was not transferred from XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Account information incorrect

The information shown on my consumer credit report is inaccurate and unverified. My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Complaint sub-issue: Debt is not mine

THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,
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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Complaint sub-issue: Information belongs to someone else

Yet again the file was closed with a generalised response. 
Equifax has a list of my issues and yet claims they do not know which claims I am referring to. 

ALL RECENT FINANCE REQUESTS- please provide a proof of validation including ORIGINAL financing applications bearing my signature. 

I have asked many times for this and receive only a reply to the effect of we have verified as accurate Report numbers XXXX, XXXX, XXXX, and XXXX are the recent attempts, I have many more if needed. 
ALL of the information within those reports does not belong to me - I have mad no applications for any credit in the last 18 months. 
Equifax claims to verify it, but does not provide any proof - I wish to see that verification process and the document that shows my permission to access my credit file.
Complaint sub-issue: Company closed your account

Citibank closed my account which I used to pay my bills. They cant give me a reason. Its under investigation and I cant with draw my money or anything! Im stuck and waiting 30 to 60 days I also have a saving also!
Complaint sub-issue: Frequent or repeated calls

Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.
Complaint sub-issue: Personal information incorrect

XXXX & both Equifax has my wrong birth date. Equifax has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both equifax & XXXX on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. XXXX just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a previous complaint number XXXX, XX/XX/20. I received a letter from XXXX XXXX on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the XXXX XXXX report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at XXXX XXXX should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off XXXX XXXX website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get XXXX  to Correct my report, Can I sue them? 
Thanks, XXXX XXXX
Complaint sub-issue: Personal information incorrect

The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2018 Nelnet posted five different derogatory remarks to my student loan account. This has caused my credit score to drop over 80 point. I would like to dispute this, because at that time I was serving in the military and had no idea that my student loan was delinquent. I am working toward making sure my student loan is paid on time, and also trying to refinance them to get them to more a manageable amount.
Complaint sub-issue: Problem using a debit or ATM card

I purchased some ceramic planters from XXXX on XX/XX/XXXX for a total of {$360.00}. On the website, It appeared as one charge in the total amount. The payment was processed in three transactions between XXXX and Citibank ( {$120.00}, {$120.00}, and {$110.00} ). The items were delivered. No problem. 

Then, after the items were delivered, I started seeing new charges to my card in the amounts of {$120.00} and {$110.00} from XXXX. They appear, my available balance is reduced accordingly, and then the disappear. Then, they reappear as new charges on new dates. 

XXXX says refuses to look into it because the amounts are not exactly the same ( one is the same, one is one penny more than a previous charge ). They say to call the bank and report them as fraudulent charges. In my first calls to Citibank ( late XXXX ), even though I could see the pending charges on the website and on my mobile app, the customer service agent couldnt find them so he couldnt do anything. ( He told me to call XXXX. ) I called Citibank again when the charges reappeared with the date XX/XX/XXXX. Now they can see them, but they say I have to wait for the merchant to claim the money, which will complete the transaction. Then, I can dispute it. They refuse to call XXXX together with me on the line to sort out the problem once and for all. Even though the charges are pending, it still reduces my available balance, depriving me of access to my full funds.
Complaint sub-issue: Funds not received from closed account

My savings account was involved in a Wire Fraud amounting to {$4900.00}. I contacted Citibanks branch office in person to alert them of the situation. They told me they will investigate and return my money back in 90 days. I patiently waited even though I never heard back from them. Upon the 90 days period ( XX/XX/XXXX ) I went into the branch and I was told they have no money for me. I either get a lawyer or forfeit my money. I closed my accounts right away. My own bank meant to protect my lifes saving showed no form of responsibility and totally is trying to take advantage. I am on the verge of homelessness because of this.
Complaint sub-issue: Report improperly shared by CRC

Stolen my information on the credit reports.
Complaint sub-issue: Old information reappears or never goes away

Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit
Complaint sub-issue: Debt is not yours

Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.
Complaint sub-issue: Debt is not mine

I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.
Complaint sub-issue: Information belongs to someone else

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Account status incorrect

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}
Complaint sub-issue: Their investigation did not fix an error on your report

this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX  XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax sends emails that " disputes are ready to view '' and when logging into their website to access using given dispute #, nothing shows. It has been this way for awhile. 

Secondly, a dispute on a judgment that was wrongly placed on me, and a violation of the XXXX XXXX, which was deleted after investigation by both XXXX and XXXX, was NOT removed by Equifax, and no evidence of the validity of judgment was provided. I am uncertain if they ACTUALLY fulfilled the investigation process with integrity.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We, XXXX XXXX and XXXX XXXX saw a scheme on the XXXX XXXX website. If we get the AA Citibank Credit Card we would get {$250.00} off the first purchase of air tickets. So we both went ahead and individually applied for the cards. I, XXXX XXXX booked tickets from XXXX to XXXX on XX/XX/XXXX for {$330.00} with my card ( ending XXXX ) and XXXX XXXX booked return tickets from XXXX to XXXX with her card ( ending XXXX ) for {$330.00}. Citibank charged us the whole amount of {$330.00}. We both filed disputes. I, XXXX XXXX, had taken a screenshot of the XXXX XXXX offer. I was refunded the {$250.00} and had to pay only {$85.00}. XXXX XXXX had taken a screenshot also, on a different computer that saved the screenshot in a .png format. Citibank said that the image was not clear and that we should mail a print out to the XXXX XXXX, XXXX XXXX XXXX She sent it via tracked certified mail, tracking number XXXX and it reached the post office pertaining to their XXXX XXXX XXXX XX/XX/2021. XXXX never received an acknowledgement of her letter from Citibank. Moreover, while the transaction was still in dispute, they added on penalties and interest. They also sent her to collections and started harassing her with calls. Whenever she tried to call disputes, her call was always redirected to the collection agency. After this, just to not have to deal with the harassment, XXXX XXXX paid up the complete bill. However, on XX/XX/2021, Citibank had severely damaged her credit score. This is having a major financial impact in relation to an impending house purchase.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

My information has been stolen via Equifax.
Complaint sub-issue: Transaction was not authorized

I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account. 
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}. 

I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship. 

This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.
Complaint sub-issue: Problem with product or service terms changing

I went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I disputed transactions on my account and was given a provisional credit after 9 business days. However Credit Karma restricted my account so I am not able to use these funds that were made available to me so that I may have full use of these funds while they investigated my dispute. When I call I am told that that department is not available to speak to and that there is nothing that they can do for me.
Complaint sub-issue: Account status incorrect

I have a charged-off account with XXXX XXXX XXXX XXXX -XXXX  XXXX. They are reporting incorrect information that is affecting my credit score. The account is charged-off ( since XX/XX/2018 ), and the last reported activity happened in XX/XX/2018. However, EVERY month since XX/XX/2018 to present XXXX XXXX reports me as being 90 days late to Equifax. How can they report me 90 days late on an account that is charged off?
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed