Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

I have had a credit card account submitted to credit reporting agency Equifax by XXXX XXXX. I have been trying to clean up my credit and report and stirred up XXXX they called me trying to collect on a debt ... when I told them I did not have a way to pay them any money due to no work and being diagnosed with XXXX and XXXX the lady hung up on me then when I looked at my credit report that same day information was very confusing to say the least ... .the account was removed, then it is n't, then im nearing credit limit and then I am XXXX % utilization which would mean I 'm over drawn, then the account is open, then its closed ... how can this be a good practice ... .I am very confused as to why they can play around with information in this way. To say the least the lady who called me was very rude.
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. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}
Complaint sub-issue: Information belongs to someone else

i contacted the credit bureaus, and started disputes online buy XXXX  wouldn't allow me to dispute, this account has just poped up on my credit files, i have been a previous victim of id theft, i have several monitoring services, and the only alert i got was when this account appeard, there isn't a inquiry either. this is strange, i have vary good credit and am displeased about it, and equifax tried to up sale me on fraud protection service. i want this account deleted immediatly before it sully my credit worithiness that has taken me a long long time to build!! equifax, XXXX  and XXXX would not allow me to upload anything and when i called XXXX  i was left on hold for serveral long minutes til i finally just hung up after i went through to operators.
Complaint sub-issue: Account status incorrect

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
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 demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that XXXX, Equifax, and XXXX have on file for particular accounts. 
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 accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, Equifax, and XXXX are in Default and the items requested must be removed immediately.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The credit card company is still trying to collect on the debit after they sent me a 1099-C and it was reported on my taxes as income. However, they are still trying to collect on this debt and reporting it as open and late every month on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning XXXX and XXXX so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
Complaint sub-issue: Their investigation did not fix an error on your report

A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.
Complaint sub-issue: Debt was result of identity theft

I had a collection that was deemed fraudulent. I was told once they investigated, if it was fraud and I had paid it, I would be given my money back. I paid the full amount so my credit report would stop being affected. Now that the investigation is over and XXXX XXXX found it fraudulent, the collection agency doesnt respond. Their phone system doesnt work. I spoke to XXXX XXXX ( a supervisor ) once. He told me his boss would have to get my file opened because it had been archived. Ive tried for two weeks now to speak to anyone at the company and the only line that works is the receptionist and Ive been disconnected every time she tries to transfer me. XXXX at XXXX XXXX in the fraud department confirmed she submitted to Alliance One the documents showing it was fraudulent and my money should be refunded to me. She did that on XX/XX/XXXX.
Complaint sub-issue: Account terms

I have items on my credit that does not belong to me. The only thing that should be on my credit report that I know is right is student loans.
Complaint sub-issue: Was not notified of investigation status or results

i have written mutiple times to XXXX XXXX, XXXX, and equifax in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning
Complaint sub-issue: Their investigation did not fix an error on your report

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Complaint sub-issue: Debt was result of identity theft

Case no : XXXX CFPB closed this case prematurely. Discover clearly states in their letter to expect a response within 30-90 days and CFPB closed the case before the response was received. Please reopen the case as it is NOT settled. 
We can solve this case in one day. All Discover bank has to do is to show the signature on the credit card application form AND the I.D . Used by the applicant and we will have our answer. 
Like I said I was living overseas since 2010 with NO legal address or utility bills hence could not produced the same. 
Do the right thing. Do not close this case until it is resolved. 
Thank you. 
XXXX. XXXX XXXX. 
( XXXX ) XXXX.
Complaint sub-issue: Personal information

My current employer is not listed and my middle name is incorrect.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you
Complaint sub-issue: Information belongs to someone else

The following unauthorized fraudulent accounts are not mines, My identity has been stolen, black webbed and has caused me alot of unknown Financial damage. Please be so kind and block these unauthorized fraudulent accounts. 

1 ] XXXX XXXX {$4700.00} 2 ] XXXX XXXX XXXX {$560.00} 3 ] XXXX XXXX XXXX XXXX {$310.00} 4 ] XXXX XXXX XXXX {$5200.00} 5 ] XXXX XXXX XXXX {$5000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX and Equifax and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : XXXX- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry DateXXXX Equifax- XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested. 

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question ...
Complaint sub-issue: Debt is not yours

I did not open an account with this creditor.
Complaint sub-issue: Problem with customer service

I can not get in contact with someone at Mohela on the phone to request a refund as part of the student loan debt relief program. There was an automated message that they cant take phone calls because of the new announcement of the program. This is a timely issue given that I need my student loan refunded to apply for loan forgiveness.
Complaint sub-issue: Problem during payment process

I just took a look at my credit and noticed that I was being reported as being late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/XXXX Nelnet reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. Nelnet never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to Drop XXXX points and damaged my perfect payment history overall on my report.
Complaint sub-issue: Public record

On XX/XX/XXXX the XXXX County Clerk recorded a tax lien by the CA Franchise Tax Board, Ref : XXXX. We were not aware of the lien as our taxes were being handled by a 3rd Party. 
On XX/XX/XXXX, the County Clerk filed a Release of Lien, Ref : XXXX. 
On XX/XX/XXXX, after we challenged the lien with the Tax Board, the County Clerk recorded a " Lien Recorded in Error '', Ref : XXXX. This recording recognized that the Tax Board had acknowledged that the lien had been recorded in error. 
XXXX and XXXX removed the lien record from our credit report, without our having to request it. Equifax did not. 
Beginning on XX/XX/XXXX, we submitted, on XXXX occasions, requests for the removal of the record of the tax lien. Three times XXXX reported that they had investigated the matter and concluded that they were correct in continuing to show the record of the tax lien, subsequently released. We submitted certified copies of the recorder 's filings, clearly cross-referencing each of the XXXX documents to the " Document No '' referenced on the first filing. 
Equifax claimed that the release in error did not relate to the lien filing document.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax aLL ABOVE IQUIRES ARE NOT MINES
Complaint sub-issue: Their investigation did not fix an error on your report

I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} Equifax is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Applied for a XXXX XXXX XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Complaint sub-issue: Received bad information about your loan

In my previous complaints ( XXXX ) to CFPB the issue is still not resolved. Please see all this information provided in the other complaints. This response from XXXX is outrageous and does not explain anything. XXXX only explains that they changed the account number for their own purposes and that they have provided information on my variable rate. However, what they actually provided is information showing they closed and reopened my loan without my authorization, gave me information on my fixed rate simple interest loan, and gave no explanation as to why they changed my loan from simple interest to compounding. 

I do not have a variable rate and compounding interest loan!!! I have a fixed, simple interest loan and XXXX fraudulently changed my loan conditions in order to increase my payment and amount of interest I pay. 

Their response is not a response to the complaint I have made!!! I need the CFPB to investigated the information they provided in the response because it explains nothing!!!
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.