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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 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 XXXX XXXX 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 PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I've already talked to the bureaus. They need this updated information to come from XXXX. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to NSLDS at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the NSLDS do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.
Complaint sub-issue: Billing dispute

My credit card co. enrolled me with out my knowledge
Complaint sub-issue: Received bad information about your loan

AES ( American Education Services ), has an online portal for COVID-19 relief for borrowers, which, despite passage of the CARES Act, still advises that all interest on my federal student loans, will be accrued and capitalized during the forbearance period. Per the language of the recently passed CARES Act, '' Loan Payment Suspension : Suspends payments automatically for federal student loans through XX/XX/2020, with no interest accruing or penalties during the period of suspension. '' So the information on the AES website is misleading, confusing and incorrect as it pertains to students with federally backed student loans. I think AES should have to demonstrate why they still are communicating inaccurate information on its website to customers, despite the passage of the CARES Act as of XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to infiniti again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call progressive. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Equifax several times. Under the provisions of the FCRA Equifax has a duty to ensure that the information being reported to my consumer file is accurate.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

I pulled a copy of my Equifax credit report and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018 and have been on my file since then. I have disputed this information with Equifax to get no response, or just completely ignore the fact that the information, is incorrect. Equifax is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy XXXX  has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
So how is this placed on my consumer file since the court did not furnish this information to Equifax.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX  Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Not my item
Complaint sub-issue: Account status incorrect

I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.
Complaint sub-issue: Debt is not yours

I received a call from this company looking for a former relative of mine. 
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number. 
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me. 
On XX/XX/19 I received another call from the same company, this time from someone named XXXX. 
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me. 
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX. 
What this company did is against the law, and something needs to be done.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Account status incorrect

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
Complaint sub-issue: Information is missing that should be on the report

I started a credit card dispute on my XXXX  XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX  XXXX credit card account was removed from my credit report and I called XXXX  XXXX and explain that I never wanted my credit card and there was glitch on XXXX  report or XXXX  XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX  and Equifax and XXXX  XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX  AND EQUIFAX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX  XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.
Complaint sub-issue: Account information incorrect

There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.
Complaint sub-issue: Problem during payment process

the home depot card company stated that the payment was sent to the wrong address. I sent it to the address on the statement which is : Home Depot Credit Services XXXX XXXX XXXX XXXX, AZ XXXX Customer service said they would have a manager get back to me in two days. 

XXXX
Complaint sub-issue: Account terms

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
Complaint sub-issue: Information is missing that should be on the report

Right now I have XXXX XXXX trying to pull my report and everytime it comes back stating that the social security number not found. Everytime I call Equifax they claim that they need verification a copy of my ssi card, utility bill and ID, I've sent it to them 4 times already. However they say they never recieved it. I sent both fax and certified mail. I feel that they are mixing my file with someone elses. Also I've been having issues with them removing inquiries from my report then somehow adding them back on.
Complaint sub-issue: Reporting company used your report improperly

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) Equifax INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXXXXXX XXXX XXXX XXXX  CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX CARD XX/XX/XXXX ( EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX CARD XX/XX/XXXX ( XXXX XXXX XXXX XXXX MISCELLANEOUS FINANCE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX 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!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}
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 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 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: Information belongs to someone else

DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.
Complaint sub-issue: Problem getting your free annual credit report

I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to XXXX  and Equifax. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Account status

About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.