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

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 2 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX/XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX equifax XXXX XXXX XXXX equifax XXXX XXXX  XXXX  equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX only equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX/ XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX   XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

violates HIPPA, CRA. Sent police report and credit report
Complaint sub-issue: Was not notified of investigation status or results

Equifax will not respond to inquiries about accounts and information incorrectly included my credit report. I attempted to contact them via their online dispute resolution process on XX/XX/XXXX. They did not respond. I then contacted them again via telephone and their email dispute resolution process on XX/XX/XXXX. Still they would not respond. I have contacted Equifax on two more  occasions -- XXXX XXXX and, finally, on XX/XX/XXXX -- via regular mail, and I included copies of my online and email disputes, and they have still not responded to my inquiries and disputes. In the meantime, I have been refused housing and other opportunities because of the incorrect information contained in my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Ally Financial failed to give me proper validation of this debt. 

I mailed Ally Financial a debt validation request on XX/XX/2020 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, XXXX, and Equifax to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2  ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/2016 4 ) U.S Dept of ED Direct XXXX XXXX XXXX ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Complaint sub-issue: Account information incorrect

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today XX/XX/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Complaint sub-issue: Debt was paid

There is a XXXX XXXX reporting to all three credit bureaus. XXXX, XXXX and XXXX. I have sent letters to the credit bureaus and to the collection agency. I have requested the collection agency to provide validation of this debt, which is in clear violation of the HIPAA policy to disclose any item subject to my medical information. I have not gotten a response in regards to the removal of this account from either credit bureau or collection agency.
Complaint sub-issue: Information belongs to someone else

I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I requested documents to verify this information. for the past XXXX XXXX neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with XXXX  and equifax.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Called Equifax to remove a fraud alert from my file that I DID NOT place on there, and they told me they could not verify me after providing them with BOTH my social and date of birth. They asked me to email them a selfie, social security card, and my drivers license. First off I do not even recall giving Equifax the consent to even having my personal information to begin with so them asking for not only my drivers license and social security card but also a SELFIE is ridiculous. The companies that I actually do business with does not even ask me for this information. As a consumer, I should not have to provide equifax any of that information in order to remove a fraud alert that I DID NOT place from a report that was furnished about me without my consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I went to XXXX XXXX in response to a solicitation. I did not purchase a vehicle. I was advised by the agent she needed my social security number to verify my address and I received an alert from XXXX. I requested a letter to dispute as I did not authorize a hard pull. We decided to accept an offer they gave us but confirmed that they would only run my credit through XXXX XXXX XXXX XXXX to get the cash back and apr they were offering. The next day I was alerted that they ran my credit through the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did advise that I am only consenting to SETF as I do have an approval from my bank and do not want all those inquiries. 

This was done without my consent by the sales agent.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Keep XXXX me with debt collection agencies of a old account that they keep saling it to different collection agencies!
Complaint sub-issue: Received bad information about your loan

Good Afternoon, Several months ago my federal student loan provider was changed from XXXX to MOHELA, according to related federal action. All had seemingly gone well until XX/XX/2022. At this time I received notice that Mohela had placed a credit limit on my student loan account. Worse yet, they placed a credit limit on my account that was less than the balance, making it appear as I had exceeded my limit. My credit report took an immediate XXXX % hit across several accounts at a time when I was considering buying property. I have contacted them by phone and by email, with no response for several weeks. I would greatly appreciate it if you could look into this, because the credit limit does not make sense with this type of credit, and the obviously low amount reported to the credit agencies is damaging to my credit reputation. Thank you. 

Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filled out a page of investigative accounts for Equifax to investigate. Previously my file was 34 pages long when it should be 12 pages long. Now they have managed to extend it to 54 pages long. They refuse to correct or omit closed accounts, that were closed 7-8years ago. They refuse to scrub pages of XXXX   balances. they refuse to shorten and streamline my report. My report is filled with all the " garbarge '' they can manage to throw into it to to make it as long as possible. It is no longer a report, it is a book. This third rate company would rather endure torture than omit ANYTHING, whatsoever from my account. My credit report looks like XXXX. I would like it cleaned up and shortened.
Complaint sub-issue: Charged too much interest

XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. 



Thank You, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.
Complaint sub-issue: Account status

Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.
Complaint sub-issue: Information belongs to someone else

These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Trouble with how payments are being handled

The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.
Complaint sub-issue: Investigation took more than 30 days

I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for a delivery driver position for XXXX and XXXX These companies use the same company to do background checks which is the company known as " Checkr ''. I have submitted documentation to this company providing proof that their investigation report was inaccurate. It stated that my license was expired or suspended. I personally went to the dmv to pull my driving record which shows my license status as valid. I have tried to contact XXXX  and XXXX who leads me back to checkr to submit this documentation. I've tried to call the number provided by checkr to reach customer service. Upon this phone call I am placed on a long wait trying to get someone on the line for their automated system to come back and tell me they are closed. The hours are mon thru Thurs XXXX to XXXX pt and Friday XXXX to XXXX pt. I called at XXXX XXXX time. Everything is a run around with no help or update. Once you are rejected from a company there is no way to re apply even if a significant amount of time has passed since the disqualification. No matter what you submit to checkr they have no desire to send over the correct information to these platforms
Complaint sub-issue: Debt was paid

Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX  regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX  on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

I am submitting a complaint against the collection company " XXXX XXXX XXXX , XXXX '' Since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been incorrectly trying to collect a fictious business tax that I do not owe via Allianceone Receivables. Despite my CPA following up with Allianceone with a dispute package detailing the circumstances in great length, going so far as to get the documents notarized, I am still receiving letters saying that I owe this tax with increasing interest, when in fact, I never owed the tax to begin with. 
The last letter I received regarding this tax was XX/XX/XXXX.
Complaint sub-issue: Problem with statement of dispute

I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.
Complaint sub-issue: Reinserted previously deleted info

I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.
Complaint sub-issue: Need information about your loan balance or loan terms

I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! 

XXXX XXXX XXXX XXXX XX/XX/1964
Complaint sub-issue: Account information incorrect

My XXXX XXXX account on my credit report have not been updated since XXXX. When I call credit one they blame the problem on Equifax. When I call Equifax they blame it on XXXX XXXX stating that they have not updated there my informations.
Complaint sub-issue: Problem getting my free annual report

At XXXX, after waiting 12.5 months since our last Equifax reports from XXXX .... '' Internet Delivery Unavailable - Mail-in Request. We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : Annual Credit Report Request ServiceXXXX, GA XXXX '' This seems to defeat the whole purpose of keeping my SSN and other personal info out of the US Mail stream where it is easily stolen. Why?!
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX/XXXX  account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Complaint sub-issue: Debt is not mine

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
Complaint sub-issue: Debt is not yours

Everytime that i goes to the hospital my insurance pays my bill but here lately i been getting billed by IC Sytem and its been on my credit report and this is a hipaa violation because they didint give me a copy of my hipaa transcript or nothing like that and this needs to be deleted immediately before i take legal actions
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.