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

My name is XXXX XXXX almost 5 years ago I applied for government housing finally after waiting that long I received my voucher when you receive your voucher you only have 60 days to find housing and if you dont theyll give you two extensions thats another 60 days well they giving me five extensions total so thats 210 days altogether and I still can not find housing and I did not understand why because Ive never been in trouble So I was a little confused till I got an email saying I got denied because my credit so I started looking into it and I saw my brothers name as far as I can look back XX/XX/2020 his name is on my credit report around eight months ago I contacted the credit bureau and told them the all them high inquiries are not me the lady basically said I had to jump through all these loops and holes come to find out it was really my brother now since I lost my housing voucher that I waited five years for me and my kids are homeless we have nowhere to go we are sleeping in my vehicle I do not know where to turn I lost everything because of this
Complaint sub-issue: Confusing or misleading advertising about the credit card

Home Depot does advertise 6 months deferred interest if paid in full but on the actual printed bill it says No interest for 6 months.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease
Complaint sub-issue: Reporting company used your report improperly

Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!
Complaint sub-issue: Information is not mine

I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I have been waiting for well over two months for my license plate and registration to arrive in the mail. I have spent hours on the phone with Carvana and contacted them through several social media sites to try and get information on where my paperwork is and not a single employee has been able to give me information or a time frame. I was told that their 3rd party vendor had sent my paperwork to the DMV XX/XX/XXXX and yet I have called the DMV several times and they have never received any paperwork from them. Last call to the DMV was XX/XX/XXXX. I was also told by the DMV that they are not allowed to give out temporary license plates from a different state and both temporary license plates I've received have been from XXXX XXXX XXXX. When I fi rst bought my car I was told I would receive my plates in 30 to 45 days. It has now been well over 65 days and there is no estimate on when I will receive them. People have been waiting for over 6 months and it is completely unacceptable.
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  XXXX XXXX # XXXX XXXX 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 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items listed in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which are being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

" 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this sec- tion, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be noti- fied promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' XXXX and discover have both been given a valid ID theft report and valid verifying identification. I recieved no benefit from transactions made by a third party which was fraudulently opened by a third party using my information. This will be the third time XXXX has been given an id theft report, and has taken zero action to protect me from idtheft. Please follow the fcra or explain why you are not following it. The same request is being made of discover as well, who at this time per the attached letter refuses to follow the fcra in responding it will take up to 90 days to respond. The fcra gives them 5 days. I will also once again attach a copy the id theft report an Id.
Complaint sub-issue: Problem accessing account

Hello, My name is XXXX. I recently moved to the XXXX to live with my parents in XXXX XXXX. I quit my job in XXXX, Ma so that I could come down. I lost my phone a few weeks ago and in doing so, lost the ability to connect with my Cash App. as it sends a code to my phone to be able to sign in. I did not have the money to go out and buy another phone. I called the company and also emailed Cash App support and was presently surprised they were willing to help me. I emailed them back and forth for about a week, they ended up telling me that they are unable to transfer my money to the new account that I created. here is the Email I received. Please let me know if you can help me. This my last paycheck and I really need the money. Thank you, Hi XXXX, This is XXXX from Cash Support. Thanks for reaching out. I understand how concerning it is to have lost access to your previous account. I'm here to give you some context about what's happening. 

After taking a look at your account, I can see that we're unable to grant access to these funds for security reasons. To protect your current account, we can not override this decision. 

You may continue using your current Cash App account to send and receive payments. 

Please feel free to let us know if you have any more questions. We're here to help! 

Kind Regards, XXXX XXXX. 
Cash App Support
Complaint sub-issue: Information belongs to someone else

I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by Equifax data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. XXXX 's phone number is XXXX. I have attached our XXXX  cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Complaint sub-issue: Company closed your account

The company MoneyLion closed my checking account without notice or any emails notification! and told me I would have to contact the originator of the funds, MoneyLion doesnt give me any more information about if and when the funds will be released to the originator or myself!!! There is currently {$5800.00} on hold!! when I speak to the originator they act clueless to the situation!! I feel like MoneyLion is scamming me and I want justice for the whole situation.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Equifax Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.
Complaint sub-issue: Debt was paid

Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.
Complaint sub-issue: Account status

Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have made multiple attempts to dispute an inaccurate public record on my credit report. Despite my request for proof of verification, methods of verification, etc., the company only responds with the " information has been verified ''. 

Failure to provide me with the requested information is in direct violation of section 609 of the FCRA rule.
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020. I C SYSTEM added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Banking errors

I opened a new City Priority account on XX/XX/2019 in hoping to get the promised XXXX XXXX XXXX bonus. I fulfilled all the requirements asked by CitiBank. However, they had been postponing crediting my account. First, it made false assumptions, claiming I did not met the requirements. I called in many, many times. Then I received a letter from CitiBank on XX/XX/2019, saying after investigation, it verified that due to some internal errors, my account was not credited, but it would do so within 90 days. I waited, but nothing happened. I contacted my banker. He said it would be fulfilled soon. It had been more than 5 months since I should have received my bonus. It seems CitiBank loves playing this type of scam and writes customers blank checks.