Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX I charged XXXX at XXXX XXXX XXXX XXXX after making a return for XXXX I was on my lunch break and in a hurry.. not sure if I left me card inside, in the machine slot, dropped it out of my hand inside store or outside the store .. I realized I didnt have it when trying to go through a drive through for a quick lunch ..., so the last place I used it was XXXX ... I immediately freaked out..so I called them and they said someone turned it in ... I went back and got it..it was out of my possession for Mabey 10 min or so..when I got statement next month I saw a charge for XXXX ... I never spend that a XXXX store and could easily be verified by looking at my XXXX spending history on my statements. I immediately realized someone must have used my card in those few minutes and then turned it in..I called and reported it to Citi Cards and they shut down my old number and I had to get a new card and redo all my automatic payments ... .which is a very inconvenient. But worth it because that person could have took a screenshot of my card before turning it in ... someone did not due their due diligence about this claim. I have never had a credit card company treat me so bad. It was a representative named XXXX XXXX. Who made the decision not to validate my claim ... he said that if the merchant gave me my card back if was on them .., I said XXXX , Citi Bank , nor myself made those charges ... but Citi Bank is my credit card holder and is suppose to protect me from fraud. XXXX never makes a claim to protect me in case of fraud ... I am very dissatisfied and disappointed in Citi Cards and Citi Bank. I have been a good customer for several years.
Complaint sub-issue: Debt was result of identity theft

I had had my identity stolen and I was ON XXXX VICTIM OF A CRIME. 
PLUSFOUR INC XX/XX/XXXX Completed PLUSFOUR INC Reported on XX/XX/XXXX {$570.00} Account Details Last Reported XX/XX/XXXX Collection Agency PLUSFOUR INC Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$570.00} High Balance {$500.00} Remarks Dispute resolved ; customer disagrees Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The creditor agreed to remove this account from my file. 
Insurance paid this account late. Please remove late payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Equifax, XXXX and XXXX has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke to customer service rep at Equifax last month advise reported date on several close accounts are incorrect After receiving a copy of my credit report in the mail on Tuesday. I notice the problems has not been fixed. I have tried several times to reach Equifax customer service the telephone has been busy for days. 
I have not been able to reach anyone by phone I email he CEO today The following account 1. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 2. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 3. XXXX  XXXX last reported date is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 4. XXXX XXXX XXXX last reported date XX/XX/XXXX should be XX/XX/XXXX this account was closed in XX/XX/XXXX. We sold our home XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  last reported date XX/XX/XXXX should be XX/XX/XXXX this account was transferred to XXXX XXXX XXXX in XX/XX/XXXX and was closed in XX/XX/XXXX I would like the last date reported changed to the correct dates! 
I am in the process of buying a home and it looks like I've been last in the past 12 months on old accounts
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, Navient ( Department of Education XXXX XXXX ) submitted an update letter to the three major credit reporting agencies : XXXX, Equifax, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I originally sent a certified package containing a signed and notarized letter, FTC Affidavit to Equifax in XX/XX/XXXX and submitted a complaint to the CFPB on XX/XX/XXXX. It is now XX/XX/XXXX and the investigation is not being completed the way it originally had been done. USPS Tracking : XXXX On XX/XX/XXXX : Response from CFPB : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : We have researched the credit account. Account # XXXX The results are : We investigated that this item does belong to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX The results of the investigation have been mailed to you, please allow 7-10 business days for delivery. If you have any additional questions or concerns in regard to the updates made to your Equifax Credit Report, please refer to the mailed revised copy or visit us at https : //www.equifax.com/personal/disputes or contact a Customer Service Representative at XXXX. 


Original Confirmation Number : XXXX
Complaint sub-issue: Account information incorrect

XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX XXXX XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan XXXX, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.
Complaint sub-issue: Trouble with how payments are handled

My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?
Complaint sub-issue: Account information incorrect

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy  ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to XXXX, Equifax, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to XXXX, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for Equifax or XXXX  to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for XXXX, Equifax, and XXXX. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Complaint sub-issue: Was not notified of investigation status or results

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 used of my credit report.
Complaint sub-issue: Account information incorrect

Paid in full XX/XX/12 Sent check and cashed
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a statement with my name from a Citi XXXX XXXX  card which I did not apply for and the amount owed is {$4300.00} purchases made to XXXX
Complaint sub-issue: Received bad information about your loan

I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.
Complaint sub-issue: Account information incorrect

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Complaint sub-issue: Account status

My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.
Complaint sub-issue: Problem lowering your monthly payments

I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against CREDCO, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) CREDCO, DATE : XXXX2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.
Complaint sub-issue: Trouble with how payments are being handled

I had applied for the covid student loan debt relief and requested all amounts paid post XX/XX/2020 to be refunded in mid XXXX with my servicer XXXX. The request was rejected due to a lack of information I was told so we resubmitted in early XXXX. My loans had transferred to mohelia after this point. It is currently XXXX XXXX and there is no resolution or update. XXXX shows everything transferred to mohelia and they have no update and Mohelia says they dont have any request for the debt relief from XXXX and there is nothing they can do since they lost that information.
Complaint sub-issue: Investigation took more than 30 days

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. Equifax said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax date breach and may have got into the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

I send certified debt violation letter to IC System, Inc on XX/XX/ the company have failed to validate my debt. Instead on XX/XX/XXXX XXXX XXXXhey send a list of my medical records which I know is a direct violation of HIPPA regulations. I nerve signed a HIPPA form authorizing them to have access to this information. Please delete this information on my credit file and cease all collections activities immediately
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account listed as XXXX and an account for XXXX XXXX.This has caused me tremendous XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am currently trying to refinance my home and the mortgage company is unable to pull my Equifax credit score. I had this issue a few months ago when another lender tried to pull my score for a loan and said there was a freeze or lock on my account. I had contacted Equifax numerous times and explained the situation and was told there was no lock or freeze on the account and that there should be no issues. The lender tried to pull the score again and had the same outcome. I contacted Equifax again and they advised me to fax in a cover letter, social security card, etc. and explain the situation. Again, I was told there was no issue. My lender has to pull from all three bureaus and this is holding up the process. This has also kept me from obtaining other loans in the past. I really need this issue resolved as soon as possible as I am under time constraints from the bank.
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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose