Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I contacted Equifax after getting my latest credit report from them on XX/XX/XXXX. The credit report are missing accounts that my creditor has submitted Equifax to add to my report. The two remaining Credit Bureaus are reporting the accounts accurately. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX These accounts starting reportiong on XXXX and XXXX XX/XX/XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX of 2020, I filed a dispute with Equifax credit bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX and XXXX XXXX account # XXXX. In those2 Months I have asked numerous times for a response and I have not received anything in response from this bureau in over 45 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Complaint sub-issue: Information belongs to someone else

Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.
Complaint sub-issue: Their investigation did not fix an error on your report

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, Equifax has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX  has the same info reporting to their bureau as well.
Complaint sub-issue: Their investigation did not fix an error on your report

2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the better business bureau and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with XXXX IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC Equifax was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has an expired debt collection license in Tennessee. They must be deleted from my credot files, Equifax, XXXX and XXXX.
Complaint sub-issue: Debt was result of identity theft

Dear CFPB Staff Member, My name is XXXX XXXX. I am writing you concerning a company attempting to collecta debt that was already proven fraudulent and removed from my credit reports twice. 

The company in question is AllianceOne located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The fraudulent debt is for {$620.00}. 

The previous owners of this debt received the necessary police documentation and this fraudulent debt has already been removed from my credit reports twice. 

At this point for XXXX to once again knowingly resell this fraudulent debt would constitute a crime. 

I request your assistance in informing XXXX to : A ) Remove this fraudulent debt from any credit bureaus and/or data collecting agencies they may have already reported this fraudulent debt to.

B ) Cease from further reporting this fraudulent debt to any other credit bueaus and/or data collecting agencies. 
C ) Cease all attempts to collect this fraudulent debt.

D ) Refrain from knowingly selling this illegal fraudulent debt to another agency. 




Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

I have a collections account reporting on my credit report. I contacted the credit bureau to dispute the account. The account was adjusted on the credit report. I called the collection agency and they said that they removed my collection and there's no longer an account. however it still shows on credit report.
Complaint sub-issue: Account status incorrect

The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?
Complaint sub-issue: Account status

This account was paid and closed and Is showing collection on my credit report. I was told by the collection agency that this would be removed. I want this account removed from my credit.
Complaint sub-issue: Threatened to sue you for very old debt

I received a letter in the mail on XX/XX/2021 from General Revenue Corporation. This was the first letter ever sent to me from this corporation. It was dated XX/XX/2021, and in the letter, it stated unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. It also stated that if I did notify the office, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
Equifax has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX AMT : {$7200.00} XXXX XXXX XXXX XXXX XXXX AMT : {$5500.00} XXXX XXXX XXXX XXXX  : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX XXXX : XXXX AMT : {$2400.00} XXXX XXXX XXXX  : XXXX AMT : {$4900.00} XXXX XXXX XXXX  : XXXX AMT : {$100.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$5500.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$670.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. New York, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Problem with customer service

My student loans were transferred to Mohela recently. I have been trying to reach this company by phone ( only means of communication ) for over one week now. You can not email or chat with a representative. Each time I call, I am put in a wait cue for several hours. It doesn't matter what time I call. So effectively, there is no way to reach a live person or have communication about your student loans. 

I am trying to reach them because my reported loan information is inaccurate including my original loan amount and then number of payments made to date. Further more, it appears that I have gone from a interest of 1.97 % to over 4 % on the balance of the loan. My balance of my loan was suppose to carry a fixed 1.97 %. 

Additionally I am seeking and awaiting more information on the Biden One Time Student Loan XXXX XXXX debt relief. Per their site, applicants should receive " notification '' this month. I meet criteria for this debt relief and do not want to miss the deadline.
Complaint sub-issue: Trouble with how payments are being handled

I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Information belongs to someone else

My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Complaint sub-issue: Information belongs to someone else

I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX Purchase XXXX, IL {$1000.00} - Home Depot Will not provide video for this store location to XXXX XXXX XXXX XXXX after numerous requests XX/XX/XXXX I alerted fraud immediately upon seeing the notification card cancelled, new one issued XX/XX/XXXX Purchase -? - {$990.00} Can't identify this charge that is on the replacement card issued on XX/XX/XXXX. I recd card on XX/XX/XXXX via USPS XX/XX/XXXX - Purchase # XXXX XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet XX/XX/XXXX Purchase # XXXX - XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet. 

I have reopened this investigation numerous times only to have it closed because they claim the person picking up the merchandise ID info matches mine. I sent Citi bank a copy of my drivers license per their request. Clearly I do not match the person committing this fraud. Detective handling my case told me that he just wrapped up a case identical to mine involving and older gentleman. The fraud was committed the same way at the same store locations. It is obvious it is an inside job which Home Depot refuses to acknowledge. This has happened to me 7 times since XX/XX/XXXX. All have been resolved successfully until now. I even received another fraud alert on XX/XX/XXXX for {$1900.00}. This was resolved quickly. 

XX/XX/XXXX Reported Identity Theft to the FTC, Illinois Secretary of State and all 3 Credit Reporting Agencies. 
I have followed all the reporting guidelines from the FTC which brought me to you. If Home Depot 's XXXX, IL store would provide the detective with the video he has requested, this whole mess would be resolved. I live within XXXX miles of the Home Depot I frequent. For reference, the XXXX XXXXome Depot StoreXXXX involved are located in the city and are : XXXX XXXX XXXX, XXXX XXXX miles from my home XXXX XXXX XXXX, XXXX, IL XXXX Miles from my home. 
I would never travel this far for items that are readily available XXXX miles from my home.
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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than XXXXXXXX XXXX. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate. 
Affected by XXXX or XXXX XXXX ( XXXX. 
XXXX )