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

I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-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 alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached
Complaint sub-issue: Reporting company used your report improperly

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX & XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!
Complaint sub-issue: Account status incorrect

I filed a dispute over false information in my credit report. Equifax responded by sending me a form email and blocking my access to my own credit report and blocking my access to the results of the dispute.
Complaint sub-issue: Information is not mine

My mother 's name appears on my credit report and I 'm not sure if any of the accounts that appear are hers.
Complaint sub-issue: Public record

The bankruptcy is support to be taken off within 10 years. Why is it still showing?
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
Complaint sub-issue: Information belongs to someone else

Early XX/XX/2020, I received an alert from XXXX  about an account that had been added to my credit report. When I signed in to view my report, there was an account that I did not recognize ( XXXX  XXXX XXXX  ), but there was no contact information for them. So I log into XXXX XXXX and I notice that it was a collection account owned by XXXX XXXX XXXX. So I reach out to XXXX XXXX XXXX and explain that I did not own that account, they had the wrong person. The account was then removed from my credit report as a result of the investigation. Two days later, I received a notification that an account was removed from my credit report from both XXXX  and XXXX, but nothing from Equifax. So I give it some time thinking they needed time to official remove the account. After a month passed and the item was still on my Equifax  credit report, I reach out to Equifax and they have no record of a request from XXXX XXXX XXXX to remove the item from my credit report. So I conference call XXXX XXXX XXXX ( with Equifax  customer service on the line ) and was transferred to XXXX XXXX, the Director of Operations for XXXX XXXX XXXX. XXXX XXXX informed Equifax that an e-OSCAR had been submitted to all 3 credit bureaus on XX/XX/2020 to request the account be removed from my credit file. The Equifax customer service representative continued to say they have not received any such request. XXXX XXXX proceeds to give verbal authorization to remove the account from my credit file and Equifax still refused to do so. Equifax is now making me go through another 30 day process to get an account removed that has already been requested for removal from the reporting company.
Complaint sub-issue: Debt is not yours

An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX  has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. 

Thank You. Along with this I have attached a copy of the letter that I received.
Complaint sub-issue: Information belongs to someone else

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX Opened XXXX {$1000.00}
Complaint sub-issue: Attempted to collect wrong amount

On XXXX, I contacted Alpine Credit Inc with a request to validate the debt. They only provided a bill that has an account number and name on it. No other identifying details. The bill shows the amount in question as charged of or collection write off. In Alpine Credits Response they state they are not a debt buyer indicating they do not have to adhere to XXXX XXXX ( XXXX ). They continue to attempt to collect the debt, along with continue to charge interest. 
They have not provided the additional details required to validate the debt and confirm the bill is rightfully owed by myself.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting with equifax since I started trying to fix all errors on my credit report I noticed in XXXX last year. The problem is everytime I sent something in the day they cant verify me. I've sent license birth certificate utility bill w2. For last 4 months they keep sending me this stupid letter that they cant verify me. I called twice. Both recorded and they said everything was good but yet here comes more letters saying they can't verify me. So than they are not investigating any of this bad stuff on my file even though they claim they are but yet I keep getting these letters. Its very frustrating and Im to the point of calling a lawyer
Complaint sub-issue: Talked to a third party about my debt

Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.
Complaint sub-issue: Problem with fees

I was paying monthly my Citibank Credit Card over the phone. The last time I spoke to someone, around XX/XX/2018, I asked the customer service representative to set up auto-payments on the account so I did not have to call in every month. It was also hard to know what the balance was, the due date, or remember how much needed to be paid, as all of my statements since XXXX have come blank with only the XXXX  XXXX, Customer service number and account number. There is NOTHING on the paper underneath the heading information ... It was my understanding that he processed that request and set it up so my account was on XXXX. 6 Months later, the collection agency is calling my BOYFRIEND, who I did not authorize them to call and have no clue where they even got his number, about my account saying it's in collections. I immediately called the collection agency back and made a large payment of about {$450.00} on the account, and set up weekly payments on the remainder. I called the XXXX account inquiry number today at XXXX & was told they " cant even open '' my account, they wont even attempt to listen to what my questions are, before they transfer me to the recovery department. The recovery department tells me they can't do anything but see the amount i owe and take a payment in full because my accounts closed and that if I need help to call the collection agency. the collection agency tells me I need to speak to Citibank. NO  XXXXNE will help me, give me the information to get help, etc. I specifically asked XXXX of the recovery department XXXX if there were agencies to file complaints regarding credit card fees, and he refused to give me the information and stated he himself would take a complaint but wasn't going to do anything about it. All i am asking for is for the {$250.00} in Late Payment charges on the account to be removed, since these were billed in part due to the error of the CSR at Citibank not setting up auto-pay when i had asked, and I am willing to pay the remaining balance of over {$700.00} in full immediately.
Complaint sub-issue: Transaction was not authorized

XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact XXXX letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.
Complaint sub-issue: Received bad information about your loan

I believe I am currently eligible for Public Service Loan Forgiveness ( PSLF ) under the limited waiver. I have submitted multiple ECF forms and PSLF applications, including in XXXX, XXXX, and XX/XX/XXXX. I am trying to understand what my current payment count is. I consolidated my federal direct loans in XX/XX/XXXX and my account was transferred from XXXX  to MOHELA. Since that time, MOHELA has failed to give me payment count that includes any of my work from XXXX XXXX. I have been employed continuously by either the state or federal government in qualifying loan forgiveness programs since XXXX ( which both XXXX AND MOHELA have confirmed ) and yet I have NO payment count and NO estimated forgiveness date. 

Can I please have someone who knows what they are doing call me and tell me : What is my current payment count, from XXXX to the present? This should not be hard. I have worked for either the state or federal government my entire legal career and submitted my ECF forms dutifully at least annually. Please do the bare minimum and get MOHELA to process my payment information from either the Department of Ed or XXXX. I believe I am currently eligible for forgiveness and they are deliberately delaying processing my forms so as to avoid having to give me the PSLF forgiveness I am eligible for under the waiver. It's been so long and the delays and excuses are exhausting. Please get MOHELA to do their job.
Complaint sub-issue: Investigation took more than 30 days

I'm filing a complaint against Equifax, XXXX, and XXXX because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CFPB : I have been a Victim of the 2017 Equifax Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.
Complaint sub-issue: Trouble closing card

I received an unsolicited Visa debit card in the mail at my home. The card also misspelled my last name so likely fraud is involved either with a third party or US Bank not vetting their databases. I tried contacting US Bank via the website and toll free numbers on the form/card and can not reach anyone directly. The number/email are strictly for card activation. If my credit has been run without my authorization I will be taking action.
Complaint sub-issue: Can't get flexible payment options

I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have contacted XXXX XXXX  about a XXXX XXXX XXXX XXXX  Credit Card they allowed to be opened in my name fraudulently, and I have also contacted Citi Bank about a Home Depot card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. 

I have also contacted XXXX  about these fraudulent accounts but XXXX has refused to do proper investigations, and XXXX was also provided a copy of the police report outlining the fraud. XXXX has chosen to continue to allow this fraudulent accounts to be included in my credit file. XXXX, XXXX XXXX, and Citi Bank continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, Equifax stated in writing that you verified that this item Acct XXXX XXXX XXXX XXXX is being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my sis card, state ID and the name and acct nbr several times with Equifax continuing to break the very federal law that was implemented by Congress for this very predatory business practice!
Complaint sub-issue: Information is not mine

I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
Complaint sub-issue: Their investigation did not fix an error on your report

ive disputed 14 times thru equifax trying to explain there the problem due to no information on my report as well as any creditor ive applied for credit has denied me due to equifax not supplying them my report yet after 5 calls to equifax theY still tell me its fine and theres no problem. when i sign in to there site to see my score and report its blank. ive disputed 14 times plus called as well as contacted your office which has not done anything either after 4 times attempting to get you to investigate to no avail. i willupload my screen shots of my blank reports that they replied saying i need to be specific about who and what im disputing. how can i be specific when there is not one name or balance nor creditor for mortgage, car, credit cards are even reported so How can i get this matter fixed
Complaint sub-issue: Attempted to collect wrong amount

I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022, I contacted Cash App via their chat line to let them know had two large unauthorized charges to my account from a company called XXXX. XXXX charge was for XXXX and another for XXXX. I also had a pending charge for XXXX. XXXX that needed to be released. I was told it would only take 10 days to resolve this matter. After a few days I received a another email saying it would take 45 days to approve my claim. I tried to follow about this matter but very agent I spoke with will not give a status update.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that Core Logic has credit file/credit report with my information on it. I never gave this company any written instruction to furnish a report on my behalf. This is a direct violation of my federally protected consumer rights. I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. Core Logic has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! This has completely XXXX me out and this has taken a toll on my XXXX XXXX. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.