Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I, XXXX XXXX, a federally protected consumer, am making this complaint against Equifax for continuing to report inaccurate information on my consumer report. After submitting a complaint against XXXX XXXX on XX/XX/2022, XXXX XXXX granted my request for removal and deletion of the alleged debt on all reporting agencies, of which the deletion was granted on XXXX on XX/XX/2022 ( attached screenshot labeled as Exhibit A ) and XXXX. After viewing my consumer report from Equifax I noticed that this account is still being furnished on my consumer report, attachment labeled Exhibit B. After attempting to settle this issue with Equifax to request that they correct the errors that they are reporting on my consumer report, I noticed that this same account is unable to be disputed, attachment labeled Exhibit C. According to the FCRA XXXX everything has to be 100 % accurate on my consumer report. With the evidence provided, it clearly shows that Equifax is indeed furnishing false and inaccurate information on my consumer report and this is definitely grounds for deletion/removal. I am demanding that Equifax correct this error immediately due to causing me and my financial reputation harm.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I spoke to pheaa 2 days ago in order to try and get an income-based repayment plan because I've been unable to afford the payments. And they refused to let me apply for the income-based loan saying that I was ineligible for the income-based loan because I am currently in default. But the purpose in me reaching out to them was trying find a way to work together to get myself out of this position. The only option they gave me was a payment that represented a 33 % of my income, {$500.00} a month, which will not leave me in any position to keep my house or feed my children. They also told me that if I don't make the payments they're going to garnish my wages so heavily that I will not be able to keep my house or feed my children. 

At this time, they are leaving me no choice but to not do anything because nothing I can do is good enough. If there's anything you can do it would be greatly appreciated as I am trying to make some kind of effort. 

Best regards, XXXX
Complaint sub-issue: Debt was result of identity theft

Two days ago ( XX/XX/XXXX ), I got a letter from XXXX ( a debt collection agency ). They said I owed a total of {$150.00} from three incidents. TeleCheck Services Inc is the creditor supposing these transactions. I believe this is from the SAME incident which occurred last year between XX/XX/XXXX to XXXX at a XXXX in XXXX XXXX I have NO idea how they happened or what MEANS they were able to use my identity to perpetrate these crimes. I have already filed a report with the FTC during the month of XXXX of XXXX. At that time, TRS Recovery Service was attempting to recover this false debt. I did file a forgery/identity theft declaration with them, via fax on XX/XX/XXXX. I did NOT provide them with my ss # or driver 's license, because 1 ) I did not feel comfortable doing that over the phone and felt it may have been phishing, 2 there was no proof that either were involved and 2 ) the person I spoke to on the phone would not disclose any additional information about HOW the identity theft was perpetrated. I do NOT live in XXXX and I have not been there in nearly 10 years. I then notified the XXXX Police Department of the incident in an attempt to resolve the matter. I got an email from a XXXX XXXX XXXX ( XXXX ) assigning me a case number ( XXXX ). I had not heard anything more from either TRS or the XXXX  PD until XX/XX/XXXX. XXXX XXXX XXXX sent me an email to let me know he would no longer be handling my case and gave me a number to call ( XXXX ) to find out who would not be handling my case. I tried several times over the next few months, but I never got a reply from them. I had not thought much about it until two days ago when I got the above-mentioned letter from XXXX, attempting to, again ( I believe ), collect this debt. Today ( XX/XX/XXXX ) I called XXXX to verify that I had NO debt collections appearing on my credit report. The AFFIRMED that I did NOT have any collections showing. I have been paying for a credit monitoring service from them, which allows me to see reports from ALL credit services. I talked to their Global Consumer Care office, and they CONFIRMED that there are NO collections showing on my credit reports, but he did advise me to call the other two services ( XXXX and XXXX ) to verify WITH THEM that no collections are appearing on my credit report with them as well. I do plan on doing this later today. I have placed a new fraud alert on my credit report ( since the previous one expired ). Finally, as recommended by the representative with XXXX 's XXXX XXXX XXXX department, I went on the XXXX web site to get a copy of my credit report. I didn't find ANY new accounts opened or anything suspect. The representative said that the letters I have been receiving COULD be phishing, but I just don't know since it seems that, although no collections are showing and have NEVER shown on any of my credit reports, why did I get the letters from TRS last year, and why NOW am I getting another one for the same amounts THIS year? Please help me resolve this for once.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX  on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.
Complaint sub-issue: Transaction was not authorized

My XXXX XXXX that was linked to my business account was hacked causing my account to go into the negative {$2800.00}. Upon notice, I immediately contacted the bank and XXXX XXXX to resolve this issue. Despite numerous transactions occurring back to back, one minute after another, there was no proactive fraud prevention and this bank allowed my account to be severely depleted as well as accumulate over fifteen overdraft fees. It is now approaching day 30 of this investigation and this situation has yet to be resolve which has tremendously affected the day to day operations of my small business. I am aware that investigations could take up to 45 days but XXXX XXXX has already admitted fraud on XX/XX/2020. I have contacted the bank on multiple occasions to receive information on the timeline of this investigation. Each time, my contact information is requested and I am told I will be contacted after further investigation into the situation. I have yet to be contacted and informed of the status of this case or any reason for the delay.
Complaint sub-issue: Information belongs to someone else

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, XXXX and Equifax. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Department of education/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 also states a consumer reporting agency can not Furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is listed  4  separate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  as reported to the CRA an account that does not belong to me! Equifax and XXXX is reporting false information. I demand this account be removed off my consumer report IMMEDIATELY!!! I have attached my consumer report!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX  acc # 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 an account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico   say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Deposits and withdrawals

I received a Loan from the SBA, prior to receiving that money, I called citibank to ask them if they were confortable with that money deposited in my citibank checking account and the Agent said YES. 
4 days later, citibank put my account on hold requesting additional information. 
I provided those information and they released my account. 
2 weeks later on Thursday XX/XX/XXXX they put my account on hold again asking me the exact same question. 
I provided all the documents on monday XX/XX/XXXX. 
Citibank told me they will be done reviewing my account on Friday. 
Today Friday XX/XX/XXXX, I called them and they say my account is still under review. 
Honestly i dont know why are they doing that. I filed a complaint at first and received a document from citibank saying the issue was resolved but i dont know why Im still not authorized to use my account
Complaint sub-issue: Their investigation did not fix an error on your report

I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 

1.XXXX  XXXX Account XXXX XXXX 2XXXX XXXX Account # XXXX 3.XXXX  Account # XXXX 4.XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

Collection account listed as XXXX XXXX XXXX XXXX .... 
XX/XX/2022, I called XXXX XXXX XXXX  and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from Citibank N A  ) I have never had an account with Citibank NA as you can plainly see on my credit history.
Complaint sub-issue: Debt is not yours

The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.
Complaint sub-issue: Application denied

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX.I applied for discover cash back credit card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXXXXXX XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. 
After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. 
I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that XXXX has not reported any updates on my credit reports, Equifax, XXXX and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the XXXX issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that XXXX only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
Complaint sub-issue: Public record information inaccurate

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation
Complaint sub-issue: Transaction was not authorized

I have attached a letter that i have been a victim of identity theft and fraud in my bank account. I have supplied all documentation to US Bank informing them that I am a victim of identity theft, there were multiple eft ach debits taken out of my account from XXXX XXXX and XXXX XXXX XXXX XXXX. Upon contacting the companies and sending my information over they used my maiden last name different social and other fraud information to obtain 2 rental properties. I have suplied the documents to US bank s well as proof of my residence since XXXX i would like this matter investigated and in the attachments you willl see all of the information supporting clearly this is a case of fraud and identity theft charges started XX/XX/XXXX and ended XX/XX/XXXX.
Complaint sub-issue: Deposits and withdrawals

I tried to link my checking account PNC to my new account XXXX XXXX. But PNC has made a change that prevents me from being able to link my account. Please help me alert PNC that I need access to my financial data from PNC to XXXX account. I need to transfer my money from PNC to XXXX. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been try to use my login credentials to check my pass statements from Sears credit card store with out success, my credit was use on a purchase with out my authorization back on XX/XX/2019, i been dealing with stolen identity since then and proving that purchases where made with out me been present on those transactions, such as BestBuy stores and XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account several times over 2 years and nothing has been done.