Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. 

My credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. 

The first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. 

The most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that " The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is " valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.

That being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. 

Equifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. 

The issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. 

My lenders each report my SSN on my file and it is therefore listed as a " SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.
Complaint sub-issue: Keep getting calls about your loan

XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.
Complaint sub-issue: Account status incorrect

XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my Equifax credit bureau.
Complaint sub-issue: Information belongs to someone else

Im XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 


15 USC 1681 Section 602 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 a account without my written instructions.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} Closed Below are the credit inquiries that do not belong to me! 

XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX These are showing on XXXX and XXXX credit reports
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule 41 E hearing for failure to prosecute. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule 41 E hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana Bar Association, the  Indiana Attorney Generals Office, and the Consumer Credit Bureau for perjury and violations of the FDCPA.
Complaint sub-issue: Debt is not mine

Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.
Complaint sub-issue: Public record information inaccurate

The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.
Complaint sub-issue: Confusing or misleading advertising

Re : XXXX XXXX Student Loan Provider : XXXX XXXX Account # : XXXX On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX at XXXX regarding a Loan Forgiveness Program to inquiry if I meet the qualification for the program and was told that I did. I was told that {$49000.00} of my {$59000.00} student loan would be forgiven and I would only be responsible for repaying {$10000.00}. I was told that I would make 6 payments of {$190.00} and that my payments would decrease to {$40.00} thereafter to satisfy the balance of the {$10000.00}. I was emailed a copy of the Fee and Service Schedule to sign and my first payment was taken. 

From that point on I begin working with XXXX XXXX with XXXX XXXX XXXX at XXXX ( Toll Free XXXX ) who informed me that my Loans had to be consolidated through one of the approved Department of Education programs before it could be forgiven. Although I was skeptical I proceeded with the process because I was told this was standard procedure. I was told that the process would take 3-6 weeks. 

After my loans were paid off through XXXX, I was told that my new loan servicer was XXXX and notice that the total balance of {$59000.00} instead of the {$10000.00} ( I was told I would owe once transferred ). I immediately called XXXX XXXX and was told that in order for my loan to be forgiven I would have to pay 240 payments ( which is 20 years ) before my loan would be forgiven. 

As I expressed to Mr. XXXX, I feel that I was mislead and that details of the program were withheld to get me to change loan servicers. I would have NEVER consolidated my loan to wait 20 years for them to be forgiven. The total amount of my loans {$59000.00} have been placed on my credit. The Fee and Service Agreement I signed only has me repaying $ XXXX- which further supports the deceptive tactics used to get me to change lenders. This program does NOT benefit me and am asking that an investigation be open on XXXX XXXX XXXX XXXX and XXXX for fraud and false advertising.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent an additional letter to Equifax considering the incorrect information on my credit report. I also sent a letter on XX/XX/2020 and still didn't get the results that I instructed. I am stressed due to to this incorrect information it has disabled my ability to obtain credit and does not properly show my ability to be a responsible consumer. By law they have not responded within the time frame and are in violation of the FCRA.
Complaint sub-issue: Information is missing that should be on the report

I submitted a complaint about Equifax, in XXXX, regarding my XXXX Auto loan. They closed my account, it wasn't reporting and my account is very much still open. I currently owe, {$29000.00} on my auto loan. 
After my initial complaint, my account was reopened and reporting again. For some reason, Equifax has closed my account, once again. I need them to reopen my XXXX Auto loan account and stop closing it.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

There are some accounts on my report that are invalid and are improper use of my credit report
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Global receiveable solutions has reported a item on my credit reports that I have already spoken to them and advised that i was disputing the charges with the insurance company as it should have been covered by the insurance company. After telling them to stop calling me they repeatedly continued to call me. I would get three to four phone calls in a row with no voice. Prior to them calling i was NEVER advised that this account was sent to a collection company until i brought it to there attention that i never got a statement in the mail. I have gotten one statement letting me know that this account was in collection, and have not received Anything from them. In addition to that they are calling me from multiple phone numbers that are not addressed as a collection company but as a local phone number with an area code of XXXX. I have already told them multiple times to cease and desist and they continue to call me.
Complaint sub-issue: Information is not mine

Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordinace with the fair credit reporting act. XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

This was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Complaint sub-issue: Problem with rewards from credit card

I spent {$7700.00} at XXXX in XX/XX/2021 using my Citi XXXX  credit card, with a refund of {$1700.00} from the merchant on XX/XX/2021 ( the transaction details are attached ). The net amount I spent at XXXX was {$5900.00}. These transactions with XXXX qualified the 5 % cash back for the 4th quarter of XXXX  in total resulting in nearly {$300.00} cash rewards. The rewards was redeemed and the balance was 0. Now I have a negative balance ( - {$88.00} ) and was informed by Citi this was due to the refund from XXXX on XX/XX/2021. 
I have contacted Citi and requested a review of the cash dollars on a quarter basis. But the response insisted the negative rewards was caused by the XXXX return during the billing cycle, without considering the overall amount I spent at XXXX in the 4th quarter of XXXX. Apparently the claw-back of the XXXX  dollars is completely wrong because the overall net amount I spent at XXXX last quarter was {$5900.00}, which equals to {$290.00} cash back. I am very disappointed that Citi never takes customers request seriously and I dont think Citi is willing to resolve the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were serviced by Nelnet. i recently satisfied the loan balance in full due to constant errors being made on monthly payment amount. i tried disputing the late payments twice in an effort to restore my credit score but to no avail. Nelnet was sending bills to a previous address which i updated as soon i moved. they also an old number on file. I've requested this in writing and over the phone. The payment adjusted by {$73.00} and when that ran straight for 90 days, they then reported it.
Complaint sub-issue: Their investigation did not fix an error on your report

In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.
Complaint sub-issue: Information belongs to someone else

This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.
Complaint sub-issue: Account terms

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Not given enough info to verify debt

A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.
Complaint sub-issue: Debt is not yours

Repeated calls and letters have been sent to me from this company for years and I have told them repeatedly I have no knowledge of this debt. The debt is not mine.
Complaint sub-issue: Old information reappears or never goes away

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018, an unauthorized inquiry was put on my credit report.
Complaint sub-issue: Investigation took more than 30 days

Equifax took more than 30 days to investigation this report, in fact this account is still " under investigation '' 11 months later. Please update this information on my report. 

Documents are attatched.
Complaint sub-issue: Account status incorrect

I had a mortgage through XXXX county state bank. That mortgage was sold to XXXX XXXX XXXX. We went through bankruptcy and XXXX XXXX XXXX was included in bankruptcy. Its still showing an open account with a balance. XXXX XXXX and XXXX have both taken it off of my credit report. Equifax is still reporting that is an open account which its a closed account. I contacted XXXX XXXX XXXX and they stated that they havent reported it to equifax since before the bankruptcy ended. They told me its equifax thats not changing it. It has affected my credit score tremendously. Initially equifax took it off the report and then the following month the put it back on. Something has to be done about this. It should be a closed XXXX balance account. But its showing {$5300.00}.
Complaint sub-issue: Account information incorrect

I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.