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

Equifax keeps reporting fraudulent and incorrect information after I have submitted an identity theft report as well as a police report. I have never lived at XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX, LA XXXX. The following accounts are fraudulent XXXX XXXX XXXX, LA XXXX XXXX XXXX. These inquries are not mine & I did not give anyone permission to look at my credit from these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, & XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account information incorrect

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Complaint sub-issue: Attempted to collect wrong amount

5 year + old charge off account. 
Discover bank keep going up on total amount. I was told the account will be XXXX soon. 

Balance should be $ 800-1000 max.
Complaint sub-issue: Their investigation did not fix an error on your report

Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called XXXX  on  XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the XXXX  agent, telling me everything was setup. Note that I had granted XXXX  to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted XXXX  to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before XXXX reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XX/XX/XXXX, I found my credit score has been ruined by XXXX  mistake. I contacted XXXX  on XX/XX/XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted XXXX  again for the update of the result. The agent told me XXXX  decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as XXXX   did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since XXXX  refused to resolve the issue, I filed a complaint in XXXX  and received XXXX  response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like XXXX  to ruin a persons credit score and refused to correct their error. 

The XXXX  misbehaviours ( 1 ) I got confirmations from XXXX  agents multiple times ( XX/XX/XXXX and XX/XX/XXXX )  about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) XX/XX/XXXXgot sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If XX/XX/XXXXhad trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) XX/XX/XXXXreported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) XX/XX/XXXXrefused to correct their mistake on my report ( 5 ) XX/XX/XXXX refused my call brutally to resolve the problem.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX correct and remove this inaccurate info from my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

I met an online Bitcoin investor/miner on XXXX ( XXXX ). He said he lived in the XXXX, was widowed, and had a son. This all happened XXXX XXXX XXXX, when bitcoin was peaking at its highest. Within a week of chatting and mentoring about bitcoin, he suddenly " got COVID. '' At this point we had built a friendship/mentorship so he asked for " my help. '' He asked for my personal information which he evidently used to gain access to my online banking. He said the personal information was required to onboard me to his business. My personal information including a picture of my ID, my social security number, account information to start investing. He started moving money around to different accounts and having checks deposited into my accounts. All the checks bounced that had been deposited so I raised concerns with the scammer, and he went ghost. Thats when I realized this whole thing was a scam. I was victim of cyber fraud and Citibank is not taking appropriate action to replace my lost funds. I have approximately lost more than {$20000.00} from this online scammer. I have provided multiple proofs of documentation including a police report ( which I can provide a copy of ), sent a email to XXXX about the scammers account being fraud. I also went ahead and filed a Federal Trade Commission Identity Threat Alert on my Social security number. I have copies, screenshots, and receipts with this online scammer that I can provide proof of. I opened a claim with Citibank for all of the fraudulent charges and they denied them.
Complaint sub-issue: Debt was paid

I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. 
So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!
Complaint sub-issue: Debt is not yours

In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Account status incorrect

XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a XXXX address, apparently opened a Citibank credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, XXXX Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and XXXX and I notified Citibank. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted Citibank, Citibank says the charges are valid. 

I am unable to reach Citibank. I tried again today and they just gave me the Identitytheft.gov website and phone number.
Complaint sub-issue: Their investigation did not fix an error on your report

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have XXXX  missed payments to my student loans. When I investigated this further it shows I have XXXX missed payments from XX/XX/XXXX and XXXX missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all XXXX of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to XXXX and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called XXXX XXXX reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to XXXX. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have two small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
Complaint sub-issue: Public record information inaccurate

I contacted XXXX on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and XXXX has closed out the accounts but they are still reporting balances in my XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.
Complaint sub-issue: Their investigation did not fix an error on your report

On Friday ( XX/XX/2021 ), I sent a letter to Equifax asking for their method of verification concerning a XXXX XXXX Bankruptcy that is being reported on my credit report. 

On Tuesday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated that they verified this entry through XXXX. 

On Tuesday ( XX/XX/2021 ), I sent Equifax a letter, requesting that this item be disputed. I also included a letter from both XXXX ( stating that the bankruptcy was deleted from my file with them due to not being able to verify such entry ) and the US Bankruptcy Court ( stating that they do not furnish such information to any third-party agency ). 

On Sunday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated, again, that they verified this entry through XXXX and it will remain on my credit report, even though XXXX themselves no longer have it on file. 

On Saturday ( XX/XX/2021 ), I wrote Equifax a final letter, stating that if the bankruptcy ( which they can not verify once again from XXXX ) is not removed, I will file a complaint with the CFPB, as I am doing now..
Complaint sub-issue: Information belongs to someone else

I have been receiving notices of dark web activity from my XXXX XXXX XXXX XXXX since XX/XX/XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX refused to remove any inquiries. Around XX/XX/XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  XXXX, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX / XXXX / {$450.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Information is not mine

Most of the things were disputed but not all of them. They are all medical bills when my identity was stolen.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my credit karma it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on equifax also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.
Complaint sub-issue: Can't temporarily postpone payments

In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.
Complaint sub-issue: Problem with fees

I applied for citi credit card. I was offered a XXXX XXXX XXXX balance transfer option, which I utilized. However, they are charging me XXXX XXXX XXXX on new purchases, even if I pay my new purchase balances on time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have for a year been trying to have Equifax stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Equifax proof of this on my last dispute and still havent stop reporting it. I have attached proof of my Transcripts showing that i did not file for taxes 2016 and that XXXX  has deleted the account. Equifax must also stop reporting this account.
Complaint sub-issue: Account status

The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
Complaint sub-issue: Account status incorrect

XXXX XXXX has reported as me having a late payment which is not accurate. All of my payments have been paid on time and accurate without fail.