Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Enhanced recovery co {$470.00} debt, which only reports to XXXX   that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Complaint sub-issue: Information belongs to someone else

Submitted all required information per FCRA 623 to remove fraudulent accounts from my credit report. All elements required were submitted. I submitted the police report, information showing which accounts are fraudulent, a statement that these accounts are not mine and identifying information which was a social security card and a drivers license with current address. This item still remains after the time permitted by law. This company is hereby in violation of the fair credit reporting act and federal law. Will you uphold them? Or will you make them comply? Also, all documentation was faxed to Equifax as they requested and this company can not say that they did not receive the required information. I have also attached this information to this complaint.
Complaint sub-issue: Problem with rewards from credit card

I did not receive the {$200.00} intro bonus after spending {$1000.00} in the first 90 days after receiving the credit card on XX/XX/19. My total charges were over {$1000.00} on XX/XX/19. US Bank says that the start date was XX/XX/19 but I did not receive the card until XX/XX/19. I could not make any charges until XX/XX/19. US Bank was deceptive with their bonus offer -- it was dishonest in stating that I had 90 days to spend {$1000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Complaint sub-issue: Reporting company used your report improperly

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX 1. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Received the XXXX Balance says {$600.00} and that you can transfer to your bank without a fee. 
I went through the activation process and setup the account. 
Tried numerous times to transfer the $ and it says the transfer amount can not be more than with the fee. It says no fee. 
I tried numerous times to call the XXXX number and it just sends you in the same loop. 
This is more than frustrating and ridiculous. 
I am tech savy and I can not make this work. 
How are people that are not tech savy going to do this? 
Plus now all of my contact info is in some AI loop forever.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019 Factual Data made an inquiry on my XXXX   credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}. 

I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.
Complaint sub-issue: Account status incorrect

I was informed that my student loan fell under the Cares Act law which went into effect XXXX XXXX and were scheduled to expire XX/XX/2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with XXXX, XXXX and XXXX. This is illegal considering the cares act law.
Complaint sub-issue: Reporting company used your report improperly

So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

Lexis nexis are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written Instructions. 

15 USC 1666B : A creditor may not trash a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Failed to correct existing issues
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive written equifax on multiple occasions explaining to them that I did not authorize or verify multiple hard inquiries that were reporting on my consumer credit profile and ask for them to be removed immediately. They never even took the time to write back. I never gave consent for Equifax to report this information and my consumer rights are therefore being violated. 

15 usc 1681b ( a ) ( 2 ) states In accordance with written instruction of the consumer to whom it relates. 

I never gave written instruction or consent of any kind therefore my consumer rights are being violated.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 there was a few hard pulls made without my authorization. I believe this to be the car dealership. I never authorized the following inquiry pulls XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 2x all on the date I mentioned earlier XX/XX/2019. There is also another inaccurate date and pull of XXXX  on XX/XX/2019. I have called XXXX, equifax, XXXX   in the past and they never updated this as they said they would. I never signed anything or gave anyone authorization to run my credit without my knowledge on all the above items.
Complaint sub-issue: Account information incorrect

Everything about this account ( XXXX XXXX ) is not right, for starters I did not authorize this account, and secondly its reporting that a partial agreement is in place inwhich is not accurate. Then its also reporting that the last payment made was in XXXX of XXXX but yet the payment history does not reflect that. And lastly this account was already removed from my credit data file in XXXX but reinserted in XXXX without any prior notification inwhich a 7day notice was suppose to be given to the consumer by law. Therefore, with all the factual grounds stated above via the consumer laws thats governed by The FCRA, this account shall be removed and blocked immediately from my credit files. Please remove and block this account. 

1 ) XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the Family practice and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with XXXX, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with IC Systems for {$880.00} from XXXX XXXX XXXX and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
Complaint sub-issue: Information belongs to someone else

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I mailed a request to XXXX, Equifax and XXXX  to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Complaint sub-issue: Reporting company used your report improperly

There was a dispute initiated with Equifax Information Service LLC reflecting identifying dispute confirmation number as XXXX. The dispute was initiated XX/XX/2021 and completed XX/XX/2021. I requested the dispute investigation results XX/XX/2021 and two additional times after that but they have failed to provide me with the results as they should have. Instead they sent me a copy of my credit report which is not what I requested.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my personal information to be stolen.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I submitted a dispute with Equifax over multiple inquiries on my credit report. On the same day, they closed the dispute without any investigation taking place. Under Section 611 ( a ) ( 1 ) of The FCRA the CRA XXXX Equifax in this case ) is required to conduct an investigation or delete the item within 30 days of ANY information they are notified may be incorrect. When I called Equifax to inquire why an investigation had not taken place, they told me that I could not dispute inquiries and to contact the companies I have never done business with to remove them. The FCRA places no such burden on me as a consumer to do this. The burden is placed on the CRA to conduct an investigation or delete the item, period. XXXX v XXXX is a court case that has this exact same scenario and the court said that under Section 611 the CRA has to investigate inquiries.
Complaint sub-issue: Received bad information about my loan

I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.
Complaint sub-issue: Unexpected increase in interest rate

I have a credit card with Elan Cardmember Service, today I discovered an excessive interest charged of {$60.00}. This is more thatn any other charges from other compaines. I attempted to resolve with a representative of Elan and what I experienced was a very nasty and unprofessional person. I have attached XXXX billing and ask that this be resolved. See attached.
Complaint sub-issue: Information belongs to someone else

They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person
Complaint sub-issue: Reporting company used your report improperly

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681bXXXX Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Complaint sub-issue: Received bad information about your loan

I was pressure to get enrolled into this college. This college promise me and my family a great future stated that I would be placed on a job replacement program as well as my credit would be transferable. after being lied to they then stated they I should enroll in my XXXX XXXX and that they would help me find work. Here is it four years later after obtaining my degree I still cant find a job in my field and they have sink me in debt with student loans and unnecessary charges to may account. Thiis school is very dishonest now I have four kids nowhere to get an real education so I can obtain an great career due to the fact that they have charged me over 49,000 .00 dollars in debt with student loans. 


I have filed a complaint to have the loans removed or discharged but its going on two years now and nothing.Dear Mr./Ms. XXXX : We have received your application for borrower defense. Your application number is XXXX. 

If you have chosen on your application to have your loans placed on forbearance or stop collection activity while your application is reviewed, you will be contacted by your loan servicer with further information. 

You will be notified once a decision has been made on your application. 

Visit StudentAid.gov/borrower-defense to learn more. If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX. to XXXX XXXX. Eastern time.
Complaint sub-issue: Debt was result of identity theft

I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.
Complaint sub-issue: Reporting company used your report improperly

Just like what happend with XXXX ( complaint XXXX ), when I checked my Equifax account on XX/XX/XXXX, I found that someone - the same person that perpetrated the fraud at XXXX - had used the same technique to get access to my credit report account at Equifax. All they had to do was register for a new account and then used my basic information, and it ripped my account from me and handed the account over to the fraudster without having to use my password. 

This type of unauthorized use of a person 's credit account is quite easy through both XXXX and Equifax 's website and the onus is on the person being impacted by the illegal activity to keep track of their account and NOT have XXXXEquifax hand it over to a fraudster. 

The attachment shows XXXX- which is NOT my email address. And the agent was able to tell me the person 's phone number, ( XXXX ) XXXX.
Complaint sub-issue: Personal information incorrect

Equifax keeps getting, my social security number mixed up with someone else 's
Complaint sub-issue: Investigation took more than 30 days

I sent dispute letter to equifax on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX