Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit reports
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I did not allowed to run my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the inquires.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A charge of XXXX was placed on my credit card from XXXX on XX/XX/2021. I did not purchase anything from XXXX either in store or online. I have disputed this charge with Citibank and they found in favor of the merchant. I am filing an appeal with citibank while concurrently filing this complaint. I have reached out to XXXX at XXXX and they stated that they could not locate the charge. Citibank reversed the conditional credit given on XX/XX/2021 on XX/XX/2021.
Complaint sub-issue: Problem getting your free annual credit report

XXXX, Equifax and XXXX are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Complaint sub-issue: Information belongs to someone else

There are several accounts that do not belong to me, nor do I have a contract with. Please remove them from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax investigation did not fix the unathorized XXXX XXXX XXXX hard inquiry.I never once authorized XXXX XXXX XXXX to pull my credit for anything.Equifax response in there investigation was to call XXXX XXXX XXXX.Thats not the response i was looking for.Therefore, I never authorized XXXX XXXX XXXX to do a hard inquiry
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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: Information belongs to someone else

Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is sending letters asking for identifying information. As noted in the letter a diver license with current address, social security card, utility bill with current address was included with request yet the are requesting the same information most likely as a canned response to not conduct the required investigation and to provided the required documents. 

Registered Mail XXXX Registered Mail XXXX Registered Mail XXXX Registered Mail XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate personal information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response of the Equifax Credit Bureau, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. Please correct the error found in my personal information and update my records, which the bureau have failed to provide proper verification : Address : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.
Complaint sub-issue: Didn't receive advertised or promotional terms

Purchase floors for my house in my home with my home depot  credit card that was in good standards for over 5 years and then all the Sutton they said I applied for a promotional rate Which have my credit bill go up to {$3000.00} finance in one day and put me behind my payment after having a car for over 5 years of no late payments paying as agreed. This caused my very good standing credit score to drop over XXXX points within one month because of the actions of this credit card. They took me to court and lost the battle. I only have to pay the original amount that was on the card for the floors Which is paid off now and I want them to be removed 100 % of my credit score they have been dragging me down for 4 years now. Im still having problems trying to get them to remove or update the credit as paid in full and remove the late fees. The balance that was due from the court order has been settled and now it is paid in full. The amount for settlement was around {$5000.00} & is paid in full within a year. Thank you
Complaint sub-issue: Received bad information about your loan

On numerous dates they have accepted the Student Loan deferment, but for years they keep sending back the Student Loan forgiveness form to keep getting the Doctors signature. Such as the last date XX/XX/2019 is one of the dates they have sent back yet another notification. I had to send a fax and letter to my Doctor on XX/XX/2019 for the loan to be forgiven when the President Of The USA offered to forgive my Student Loans and setting any account free. I have two other people on the account on the Family Plan that I want to add and they have two separate last names, and I have them both as Co- Borrowers ; you may contact the  number of the first Co-Borrower as possible. Sent in good faith, and none delay.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account, XXXX Account 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: Credit inquiries on your report that you don't recognize

When I am reviewing my credit report I noticed that it contains Credit Inquiries, I have never give permission to these companies to pull my report. That is illegal.
Complaint sub-issue: Reporting company used your report improperly

Submitted disputes with Equifax, XXXX, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Complaint sub-issue: Can't temporarily delay making payments

On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.
Complaint sub-issue: Was not notified of investigation status or results

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The 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 is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 U.S.C 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Trouble with how payments are being handled

At the beginning of XX/XX/XXXX, I refinanced my Firstmark Services student loan with a new servicer. Since I was enrolled in autopay on my Firstmark account, an additional {$1000.00} payment was withdrawn after my new servicer paid the consolidation payment, resulting in an ending principal balance of - {$910.00}. I initially called on XX/XX/XXXX and the representative told me that the overpayment balance would be sent to me via check once my account transitioned to " Paid in Full '' status, which would take about 3 weeks. After not hearing anything beyond that, I called on XX/XX/XXXX and was told that a check was sent out to me on XX/XX/XXXX and that I should receive it by XXXX at the latest. After not receiving the check nor any further correspondence from Firstmark Services, I called on XX/XX/XXXX and was told that according to their records, no check was ever sent and that my account was being put into " Review '' status to determine the issue. I was told that I would receive a call from someone on the " Leadership Team '' within 24-48 hours. After not receiving a call by XX/XX/XXXX, I called again and spoke with a supervisor ( name redacted ) and was told that my account was being reviewed by the " Resolutions Team '' to determine if a check had been created, sent, and/or cashed. He also said that a " rush '' was being put on my inquiry to receive a quicker response. Although it was previously determined thatbased on the details for my account in their systemno check had been sent ( and therefore could not have been cashed ), the supervisor said he would look into the details and follow up with me with on XX/XX/XXXX and XX/XX/XXXX ( his work days ) regardless of whether he had updates just so I knew it was still being worked on. I received no call on XX/XX/XXXX and when I tried to call on XX/XX/XXXX, my call was terminated due to the offices being closed. I called again on XX/XX/XXXX to speak with the original supervisor and was told that direct supervisor numbers are not given out for privacy reasons, which I understand. However, when the service representative messaged the supervisor to ascertain the status of this issue, he stated that " there haven't been any updates yet '' despite him saying he would reach out anyway just so I knew it was still being worked onthen stopped replying to the service representative 's messages when she asked him what the next steps would be. At that point, I asked to speak with another supervisor ( name redacted ). While he was friendly and understanding, he said almost the exact same thing as the first supervisor, including that he would give me a call on XX/XX/XXXX regardless of whether there was an update and that he would put a " rush '' on my inquiry. I compiled all of this information and submitted a complaint through Firstmark Service 's customer service system and just received a response saying they were sorry for the confusion and that a request for a " Leadership review '' was submitted for my account, which is exactly what I was told when I called in on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 

1 Identity Theft REPUBLIC FINANCE Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.
Complaint sub-issue: Account information incorrect

Equifax is reporting un-verified accounts on my credit report.I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Complaint sub-issue: Trouble with how payments are handled

Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.
Complaint sub-issue: Account status incorrect

Equifax, XXXX, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Complaint sub-issue: Information belongs to someone else

All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
Complaint sub-issue: Banking errors

I am following up on a complaint that was filed a few months ago, # XXXX. US Bank still has not reimbursed our checking account for the {$15000.00} that was stolen. This has been going since early XXXXUS Bank allowed a check that was white-washed from {$40.00} to {$15000.00} to be cashed even though a stop payment was put on the check prior to the check being cashed. I don't understand how this is even our issue. What's the purpose of 'stop payment ' if the banks are going to cash the checks anyway? If this isn't resolved I will be forced to seek legal advice.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as XXXX XXXX. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

A debt that originated and closed in XXXX was re-reported to my credit by a furnisher with a false open date of XXXX and a false status of " open '' I notified Equifax by dispute and instead of investigating, Equifax allowed a false report to remain on my credit after it had more than sufficient information to verify the reporting agency XXXX XXXX XXXX was falsely reporting an open date of XXXX, when it was actually XXXX. 

I provided this same information to XXXX XXXX, who, properly investigated and removed the account because it was clear this collection agency was providing false and fraudulent information to get around the FCRA 7.5 year reporting requirement.

Equifax had an obligation under the FCRA to investigate and reinvestigate and it ignored its duties.

Under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. I provided the information necessary for it to confirm my dispute was accurate and this reported collection agency was illegally changing the 'open date ' to suffice FCRA reporting requirements.

I provided Equifax with a dispute regarding an out of statute account being reported with a false date of XXXX when the debt was originated and written off in XXXX. 

Equifax could easily verify this information, like XXXX XXXX did before it removed the information from my report. 

But Equifax was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. 

Equifax have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. This out of statute and false report needs to be immediately removed from my credit. 

Background : XXXX XXXX XXXX obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau. Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. That being said, XXXX KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. This is an outright lie. An intentional lie. A willful lie. An outrageously ILLEGAL lie. I disputed the fraudulent lie through XXXX and equifax. XXXX removed the false fraudulent report. Equifax ignored its duties and allowed the fraudulent illegal report to remain. 

The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. I strongly urge the FTC to reinvestigate this already failed credit reporting agency.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.
Complaint sub-issue: Their investigation did not fix an error on your report

This Fedloan account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/XXXX. It is ONLY reporting on XXXX This account was closed due to transfer XX/XX/XXXX. I have late payments from XX/XX/XXXX-XX/XX/XXXX. Then showing current payments from XX/XX/XXXX-XX/XX/XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from Fedloan that they closed it and no payments after XX/XX/XXXX. I will be attaching all of that. Fedloan and XX/XX/XXXX are no help. Every time I dispute, they add more stuff after the date of closure!