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

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/XXXX, I checked my credit report for the first time in a long while. I noticed MULTIPLE accounts that were NOT authorized by me, as well as MULTIPLE addresses I have NEVER been associated with. Some from other states! 

My score itself was so low due to these unauthorized accounts. The total debt accumulated from these unauthorized accounts is roughly {$10000.00}. 

I IMMEDIATELY contacted each creditor via phone AND letters. Called creditors the same day ; XXXX XXXX sent Letters via mail a few days later, still in XX/XX/XXXX. I was then advised to submit an identity theft report as well as a police report. These were completed in XXXX of XXXX. 

I sent in everything necessary to resolve these issues. I am a single mother and have been working to buy a home for me and my daughter. 

I sent letters, waited 30 days, NOTHING- I called the creditors- NOTHING. I am desperate to fix these issues. I keep getting the run around and no resolution. It is now approaching XXXX. I feel defeated and am asking for all 3 major bureaus to help assist me in investigating these fraudulent accounts and having them removed so I can move forward.
Complaint sub-issue: Debt was paid

This account was behind because i moved from apartment. Did not received letters but started receiving calls. Talked to them and paid off.
Complaint sub-issue: Their investigation did not fix an error on your report

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. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

I am a natural person, I am a living human being, and I have right under 15 USC 1681.

Equifax is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax, XXXX, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to Equifax, XXXX, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX both accts ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX This is my second complaint regarding this matter. Equifax still refuses to remove the account and they are fully aware that it is updating every month, as stated in a recent letter they sent me. They should also be aware that this is unlawful, per FCRA rules and regulations, and this account needs to be removed from my report. XXXX has already complied and Equifax needs to follow suit.
Complaint sub-issue: Problem with customer service

I am applying for the XXXX XXXX XXXX XXXX for my loan through MOHELA. If accepted, this program forgives {$5000.00} of my current loan balance. 

I applied in XXXX and was denied for the loan forgiveness. I filed a complaint shortly after because their customer service representative was unable to tell me specifically why my application had been denied. They sent a vague letter that gave very little information about how to fix my application before reapplying. The only advice I was given was to change the name of one of the school buildings. 

I sent my application back to that school, fixed the name, and reapplied. I was then denied for a second time. 

I called customer service again, was put on an extended hold, and told that they weren't sure of the exact problem, but it might be because one of the school 's superintendents did not list their title next to their name. When I asked why this issue was not brought up in the initial denial, they had no explanation. 

I am now fixing my application and applying for the third time, still without any clear guidance on what needs to be fixed for my application to be accepted.
Complaint sub-issue: Their investigation did not fix an error on your report

THE FOLLOWING FRAUDULENT ACCOUNTS NEEDS TO BE DELETED NOW
Complaint sub-issue: Received bad information about your loan

I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I contacted XXXX XXXX  to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX XXXX  was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX 

Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. 

I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX XXXX  again in order to discuss the above and was informed that they were not able to assist further.
Complaint sub-issue: Account status incorrect

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Complaint sub-issue: Investigation took more than 30 days

I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Complaint sub-issue: Personal information incorrect

I am in the process of buying a house and over the past year, I have been working on my credit. The main issue I have is I disputed the spelling of my name which I have never used and it was never fixed. I constantly get credit offers and preapprovals under that wrong name. I reach out to Equifax in hopes they could fix the issue and not only no response but they never fixed it. I know most credit reporting agencies have a list of other names but this misspelled name is the main name on the credit account. My name is XXXX XXXX and they have my main name as XXXX XXXX. I can see my dispute on my credit report but no response, action or confirmation of any kind has been sent to me. I simply want my credit file to have my real name. Not some made up or typo name.
Complaint sub-issue: Funds not received from closed account

I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021, i sent XXXX AND EQUIFAX letters regarding the inaccurate and incomplete items they are reporting om my credit report.i sent it USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX, and i have not received anything thus far concerning this matter from neither of the CRA 's. they have also violated 15 USC 1692 F ( 1 ) STATUS 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my report as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

Equifax willingly and purposely falsifies credit scores of consumers. I look my XXXX Equiafax score that XXXX provides for free to consumers - on XX/XX/2017 my credit score was XXXX ( XXXX XXXX ). 
After I verified my credit score of XXXX for Equifax, I went to XXXX at XXXX NY, and trade-in my old car for a new XXXX. When the XXXX Salesman XXXX pulled my credit report directly from Equifax, the salesman showed me the Equifax credit score of XXXX. 
HOW THIS IS POSSIBLE? 
XXXX states they are getting the correct information/VERIFICATION directly from Equifax AND MY CREDIT SCORE ON XX/XX/2017 WERE XXXX FOR EQUIFAX. THEN A FEW HOURS LATER, WITHOUT COMMITING ANY CREDIT ACTIONS/PURCHESES/ETC. MY EQUIFAX CREDIT SCORE WAS XXXX, OR XXXX POINT LOWER!!!!! 
XXXX, the XXXX Salesman stated he 'sees that all the time and with many of his customers - they have two different credit scores reported by the same credit reporting agency, at the same day!!!! 
Why Equifax willingly and FRAUDLY reports old credit score to businesses such as car dealerships and banks? 
THE CONCLUSION IS there is an unwritten, hidden 'agreement ' between Equifax , car dealerships, and banks to report the lowest possible, but invalid credit scores from the consumers ' past reports, so customers/consumers will not be provided with the deserved APR or best appropriate INTEREST RATES to purchases cars and/or homes. Through illegal and unlawful practices Equifax is assuring higher interest rates for many businesses in the U.S. against consumers ' lawful rights. 
AS A RESULT, I was approved for 6.19 APR or 6.19 % which will cost me {$5700.00} interest to pay for my new XXXX on the top of the regular price of {$27000.00}. Equifax pairs with businesses and banks and negatively brutally affect the finances of the consumers. 

Just a few months ago, the CFPB had a lawsuit against XXXX for committing the same fraud practices. NOW IT IS URGENT EQUIFAX TO BE HELD ACCOUNTABLE FOR REPORTING THE WRONG CREDIT SCORES/LOWER OF WHAT IS THE CURENT, TO BUSSINESSES AND BANKS. I AM TREMENDOUSLY AND FIANCIALLY HURT BY EQUIFAX. 
Prove for my case can be taken from XXXX Credit Score Report form XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON EQUIFAX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM XXXX XXXX SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM SUPREME LENDING. I WAS TOLD BY XXXX XXXX THAT SOMEONE ( XXXX ) FROM SUPREME LENDING PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED SUPREME LENDING TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX   WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.
Complaint sub-issue: Investigation took more than 30 days

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I was never given the credit for payment made on my student loan account in the amount of XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}
Complaint sub-issue: Debt was result of identity theft

CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXX MORTGAGE XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX CFPB violation.