Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I was notified on XX/XX/XXXX that the US Bank Credit Card account which as been open since XXXX ( XXXX years ) was closed for the following reason " Your account has been inactive for at least 12 months ''. I believe the systematic closing of revolving accounts during the time of COVID-19 is an acknowledgement of the bank 's credit underwriting model risk failures and attempt to force customers to involuntarily undergo re-credit rating using the bank 's new credit models which are more conservative given the current COVID-19 regime. 

Closing the single longest trade line reduces the average length of credit and other history related variables considered in credit scoring decisions. Adverse impact to credit score is anticipated as a result.
Complaint sub-issue: Received bad information about your loan

Dear CFPB, I am submitting a complaint to CFPB due to the denial of TEPSLF ( Temporary Expanded Public Student Loan Forgiveness ) I received on XX/XX/XXXX. Attached is a copy of my TEPSLF request and the denial. 

The TEPSLF denial states that I do not qualify for forgiveness under the TEPSLF because I have not been in repayment for at least 10 years on my Direct Loans. 

The TEPSLF was created in 2018 Congress to help borrowers who had fulfilled their public service but who were, unbeknownst to them, in the wrong repayment plan. 

The TEPSLF was created for my exact situation. My lenders, XXXX XXXX and XXXX did not advise me that my loans were not the correct type to qualify for PSLFP. I made 99 monthly payments from XXXX through XXXX. I only learned that I needed a different loan type when I applied for my annual IDR renewal. 

I have now met all of the criteria for the TEPSLF however was denied. 

1 ) I have made over 126 monthly qualifying payments ( 120 is required ) 2 ) Both of my loans are Direct Loans 3 ) I have worked for the XXXX   XXXX XXXX  XXXX for 15 years and am still working there. 

Fed Loans has now set my PSLFP completion date in XX/XX/XXXX which is well past my retirement date. 

I was unable to attach my packet of pertinent student loan documents because it was just over 10.7 MB. If I can send it to you another way please let me know. 

Thank you for your review and consideration. Please let me know if further information is needed. 

Thank you kindly!
Complaint sub-issue: Account status

Equifax credit bureau is reporting " XXXX '' twice on my report, the account is the same, different dates only. 
I have notified " XXXX '' and Equifax, no response about my double listing, very frustrating.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXXk # XXXX ; Missouri Child Support # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX 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 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/XXXX  Charge off balance {$0.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX  Charge off and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$34.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX. 

XXXX Charge off with a balance {$3100.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX Charge off with a balance {$3100.00} and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$72.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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
Complaint sub-issue: Problem with fees

It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

Company reported to the credit bureaus without notifying me of any debt owed, amount owed or name of original creditor without a chance to dispute the debt with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Old information reappears or never goes away

In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.
Complaint sub-issue: Debt is not yours

I have attempted and spoke with several people on XXXX campus in XXXX, TX. Once I decided I was not gon na attend school at their campus, I called the school within the qualifying days to cancel my classes. I spoke with a Dean and also someone in the Financial Aid Department who told me that they would make sure that I didnt accrue any charges to my account and if i did, they would take care of the charges. The school has since changed Deans so many times ... I have tried to resolve this debt with the school several times and they have recently sold the Debt to a collection agency and dropped my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

KS DCFS CSS/CHILD SUPPORT ENFORC Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have had multiple fraudulent inquires posted on my credit reports. I have filed reports with the reporting agencies many times. I contact the financial institutions as well. This is in regards to the most recent fraudulent inquiry. I posted on XX/XX/2022 and it was with Equifax. The fraudsters seem to be alternating. Some post on XXXX while others post on Equifax. I did not authorize any inquiry nor will there be any authorized inquiries any time soon.
Complaint sub-issue: Debt was result of identity theft

Over 7years ago XXXX bank card started taking money from my other charge cards! 
They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! 
In XXXX the case against me by XXXX  was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! 
XXXX Bank took over XXXX from most of the card that I had to cancel!!!!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

I have been disputing errors on my credit report on accounts thats reporting inaccurate information on XXXX, equifax and XXXX for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX, XXXX, XXXX XXXX account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXXXXXX listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this account.
Complaint sub-issue: Information belongs to someone else

I have items on my credit report that are not mine and that noone can tell me who or what i can help me. I have inquires that are not made by me that equifax is refusing to remove
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 XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XXXX XXXX XXXX  I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company 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: Reporting company used your report improperly

This is in regards to Equifax behind hacked and putting my information at a very high risk for identity theft and fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I was laid off from work and later following after finally landing a somewhat stable job, Covid-19 happened. My Account XXXX, Dates XX/XX/XXXX until XX/XX/XXXX creating the biggest financial hole. I CONTACTED DISCOVER 2 times to let them know my situation and how i been financially injured.I ask for help but was rejected when i contacted and also sent a letter as i am being denied because of these remarks on my credit.I am writing the complaint as XXXX XXXX XXXX and DISCOVER has refused to remove and account that has been clearly has had previous history of good payment history. I did not receive my unemployment until 7 months later when XXXX XXXX when COVID started.
Complaint sub-issue: Information belongs to someone else

There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

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 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
Complaint sub-issue: Account status incorrect

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the XXXX major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling XXXX inquires dating back to XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 ( this appears XXXX times for XXXX ) XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX Bank : Account number XXXX Credit Account XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.