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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to be removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Complaint sub-issue: Sent card you never applied for

XX/XX/2022 Received a debit card from Credit Karma that I did not request. 
When speaking to agents they asked for information to " find my account ''. I hung up and called a different number listed online, they asked for more personal information ( name, birthdate and email ) they stated they would close my account and send me a written notice stating they closed the account. When I called again and asked for the fraud department they stated they did not have a fraud department. 

I checked my credit report and noticed Credit Karma had done 2 soft inquiries on XX/XX/XXXX and XX/XX/XXXX both without my knowledge. I am still not certain whether this is a third party posing as Credit Karma, if this is a promotional service/offer from Credit Karma or if this is a case of identity deft. 

Materials sent are misleading and confusing, have not and will not be doing any business with this company.
Complaint sub-issue: Problem with customer service

I have been part of the Temporary Extended Public Student Loan Forgiveness program since early 2019. I made income driven payments, which I was told would get me to where I needed to be in order to be forgiven. I called dozens of times, and spoke to people to make sure I was doing what was required. I am now in a place where I should be forgiven. However, the servicer is claiming that they do not recognize the EIN of my employer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I submitted the number, and they rejected it. They asked for my W2, which I sent. They are still rejecting the number, which is disingenuous. They were accepting my employment certifications for over two years, and calculating my payments. My certifications had the same EIN. Not sure what else to do, since there does not appear to be a live person to help me. I'VE CALLED OVER 35 TIMES over the last 2+ years to make sure I was doing everything correctly. 

I have called FedLoans/XXXX, Studentaid.gov, and have gone round and round. Each person refers me to another person. I've filed an ombudsman complaint, a complaint with studentaid.gov, and a complaint with the FTC. No word back.
Complaint sub-issue: Company closed your account

After being a customer with Discover they closed my account after 11-12 years. I recently purchased a home where the lender had the closing attorney write a check to various credit cards that had small balances. Myself or the attorney made the error in selecting the box to close the account instead of it remaining open. I was able to keep all the other 4 accounts open by making a call and explaining the matter. Discover on the other hand said they were unable to reopen the account once closed. I even had a letter drawn up from the closing attorney explaining that the incorrect box was checked and was not required for the account to be closed by the loan. Due to the length of the account on my history, this account being closed with hurt my credit. I want to do all I can to dispute this in order for this account to remain open so I can continue building good to great credit history. If there's anyway that Discover can reverse this accidental matter and keep this account open this would be not only hugely appreciated but will help for further investment purchases as well. Thank you for your time in reading and ultimately resolving this matter.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED
Complaint sub-issue: Information belongs to someone else

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Called Equifax to inquire about hack.
Was lead to website which would not accept my SS #.
Was told there was a problem and was disconnected.
Called back and have been on wait for almost 60 minutes now, still waiting!
I wanted to freeze my credit report and am not capable using telephonic and internet attempts. Please freeze all my credit as all my personal information has been provided to hackers by Equifax.
Complaint sub-issue: Other problem getting your report or credit score

I am very frustrated with all 3 reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written intrusions.
Complaint sub-issue: Debt is not mine

XXXX claims that I owe them because their equipment was not returned but in fact, it was returned using their packaging and their shipping label two days after they delivered the return box and label to me. XXXX support would not provide any assistance on verification of the receipt of the returned equipment. They would not provide information on how I could contact the recipient of the equipment to follow up on its status. Their absolute refusal to provide information about the recipient of the returned equipment seems disingenuous and the subsequent collection program seems like a scam to try to collect money that 's not owed to them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Update my personal info and delete all unauthorized inquiries
Complaint sub-issue: Debt was result of identity theft

Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated
Complaint sub-issue: Card was charged for something you did not purchase with the card

Im a victim of identity theft someone got my Homedepot credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had the absolute worst experience with my new Citi card. On XX/XX/XXXX I called about a transaction ( XXXX ) that I wanted to dispute because I could not use that merchant services and did not get a resolution from them in terms of cancelling those services and getting my full refund. The citi representative advised me to close the card so that pending transaction does not go through in the first place and that they would send me a new card. Long story short that was a misinformation because the transaction did post and I ended closing that card for absolutely no reason because they never processed that dispute and it took 4 more calls to get that new card shipped to me. I called Citi again this morning XX/XX/08 to see what the status of the dispute is and why I can not see the temporary credit that I was promised on one of those calls but again I did not get any help at all. In fact the account supervisor XXXX ( ID # XXXX ) did not find any dispute in her system andwas the rudest and most incompetent customer service rep I've ever dealt with.
Complaint sub-issue: Investigation took more than 30 days

I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( XXXX  ). I have complained about wrong Inquiries on my credit report to the company ( XXXX  ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that XXXX  is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry on my credit report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

the Economic Incentive payment card I was sent does not work. I can access the Money Network website but I can not wire money out. I can not Activate the card because I can never get a hold of anyone on the 800 line. Therefore, the money XXXX approved is not available to me.
Complaint sub-issue: Frequent or repeated calls

Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.
Complaint sub-issue: Debt was result of identity theft

I never had an account with this company this is not my debt I have taken in my driver 's license and disputed it multiple times and it still showing up on all three reports.
Complaint sub-issue: Account terms

Equifax is currently reporting XXXX charged-off accounts from XXXX that are grossly incorrect. I contacted XXXX via phone some months ago to obtain account numbers to investigate these accounts. They were unable to provide them. I filed an online dispute with Equifax and they were incorrectly " verified ''. Equifax is being grossly negligent in reporting these accounts and is causing a great hardship.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions
Complaint sub-issue: Funds not received from closed account

My bank account at a pnc branch in XXXX pa was closed for supposed failure to proof residence. I took letters from them sent to the address on record and also other proofs and still my account was closed. The same day my paycheck deposit was deposited. Bank said I'd received a check in the mail 5 business days after the day I visited the bank and have not received my funds.
Complaint sub-issue: Account information incorrect

XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

To date I have not received satisfaction from the complaint I filed about XXXX XXXX, LoanCare LLC, XXXX and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. LoanCare assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.
Complaint sub-issue: Information is incorrect

This is about a XXXX report, regarding a US Bank account from 4.5 years ago, i instigated a dispute on a transaction - a pizza that never arrived, with my bank. It was about a XXXX $ overdraft and I consisted the issue resolved once it was removed. A few weeks later, the dispute was declined, despite the fact I never actually got my food. 

They continued to overdraft me and stack fees on me, despite the fact I did not receive what I paid for. Id like this removed from my XXXX. I dont even need my money back, I just dont want this false mark of who I am - account abuse, on my report. I did not commit account abuse. I talked to the agent and outlined my issues - food not delivered Hopefully this doesnt come off rude, I love US Bank , I just dont understand why Im being held accountable for this? I was told my debit card comes with protections against purchases that I never recieved the product.
Complaint sub-issue: Personal information incorrect

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Debt was paid

PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Complaint sub-issue: Account status incorrect

XXXX XXXX ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

XXXX XXXX pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!
Complaint sub-issue: Problem getting your free annual credit report

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Complaint sub-issue: Problem during payment process

Citi offered an autopay option of : Pay total purchase balance plus the minimum payment ( {$170.00} ) on XXXX XXXX. I accepted this option and set my autopay to this option. 

Citi calculated my payment based on this option. Then when the payment was made, Citi disregarded this option and claimed they did not allocate my payment as offered and agreed. However, the payment was not allocated to reduce the principle balance of the XXXX XXXX over and above the minimum payment either. 

They claim they can disregard the XXXX option I designated because, in some fine print in the terms and conditions of a deceptive predatory lending practice which offered me a temporary low interest rate on purchases. 

I dispute that Citi is not obligated to allocate my payment as they offered in XXXX, and I accepted, and they used to calculate my payment.
Complaint sub-issue: Information belongs to someone else

i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account