Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to theXX/XX/XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Was not notified of investigation status or results

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Other problem

This banks new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Such policies, should not be endorsed by our federal government, which instead should do business with companies that respect all of our constitutional rights, including the Second Amendment. Our federal government should take all necessary steps to review and terminate its contract with Citibank unless they rescind their guidelines.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

XX/XX/2018. I was notified I owed a debit, I did not make.
Complaint sub-issue: Attempted to collect wrong amount

Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
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Complaint sub-issue: Report provided to employer without your written authorization

I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt
Complaint sub-issue: Problem accessing account

So this problem is with credit karma / XXXX XXXX. I filed my taxes with XXXX XXXX and it says I filed with credit karma Ive also received 2 of the stimulus checks on there that I cant access nor does the irs have them payment sent back to them from when they sent it! Ive talked to multiple customer service representative. Ive tried to email Ive tried to call and never get no correct answers on why one day my credit card shut off right when I got my child tax and all my money Im missing XXXX with credit karma I can prove Ive called and emailed multiple times I can get a transcript from irs saying this much was sent to that account that still shows active but from my side its not
Complaint sub-issue: Talked to a third party about my debt

My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. DELETE the account listed : ( XXXX XXXXXXXX FIN XXXX )
Complaint sub-issue: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED POLICE REPORT.
Complaint sub-issue: Problem with customer service

XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX
Complaint sub-issue: Other problem

On XX/XX/XXXX ( before my payment due date ) I called in to CitiBank to see if they had any available programs in reference to Coronavirus or COVID19. I was transferred around until I landed on an agent that supposedly could help. I explicitly stated that I could pay my regular bill at the time. I was simply calling in to see if they had any deferment programs so that i could save my cash to use for groceries and such. The agent said she understood and offered to defer my payments and cancel my autopay on both of my accounts. I gladly accepted. 

A few days later I received an email that I had missed a payment. I checked my app and was shown that both of my accounts were labelled as past due, with a late fee attached. I called in immediately to rectify the situation. The first agent I spoke with said that there was no program in place, that they had only received communication of possible programs upcoming, and so the previous representative had spoken in error. I requested a supervisor. Again was told that the initial representative was wrong and there was nothing they could do about it. At this point, I was unworried about the deferred payment but the late fee and the impact on my credit score for having 2 accounts showing a missed payment. I have no missed payments on my credit history. I was told by the supervisor that I shouldn't worry about it, a lot of people are going through things right now and they're sure it will all be handled, just give it time. 

On XX/XX/XXXX, the late fee on my Citi DoubleCash card was refunded. I noted on XX/XX/XXXX that the late fee was still showing on my Citi American Airline AAdvantage card. I called in at XXXX and after explaining the situation to the initial rep, was transferred to a supervisor. He told me that they would not remove the late fee and there was nothing he could do about it. I explained again, in detail, the situation that led to the late fee in the first place : That I had the funds to make the payments but was erroneously advised by a representative of CitiBank that my payments were deferred and so was under the false understanding that I did not have to make the payment. He still refused to remove the late fee. 

At this time I am requesting the removal of the late fee and the assurance that the ( 2 ) missed  payments will not show on my credit report as the late payment was due to professional negligence and false information provided by a Citi representative/employee, with me, as the consumer, relying on their expertise to guide my payment decision.
Complaint sub-issue: Investigation took more than 30 days

I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.
Complaint sub-issue: Account status

I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached
Complaint sub-issue: Reporting company used your report improperly

Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile
Complaint sub-issue: Reporting company used your report improperly

Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.
Complaint sub-issue: Problem with customer service

For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been submitting requests for XXXX months with now with no response at all form XXXX about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported correctly. XXXX has activity on a collection account. and XXXX continues to illegally update the DAte of last active and re-age this account. 

Equifax continues to report current and positive payments on an account they mark as a closed and paid collection! they refuse to remove this inaccurate information and continue to update the XXXX
Complaint sub-issue: Information belongs to someone else

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE.

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

I've sent information that was required online by Equifax to get my annual free report and have not received my annual free report from Equifax. A recent purchase agreement I made stated my Equifax score is XXXX. XXXX has my score as XXXX. Such a discrepancy needs to be investigated. XXXX XXXX shows my Equifax score to be XXXX. 
Need help to resolve Equifax reported score of XXXX to XXXX as opposed to Equifax score with XXXX XXXX of XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
Complaint sub-issue: Account status incorrect

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax has placed an erroneous collection ( s ) on my credit file involution of the FCRA and XXXX identified as XXXX REPORTED ON XXXX XXXX, 2016 OPENED XXXX XXXX, 2016 with no account number nor a point of contact for this debt. THIS IS NOT MY ACCOUNT AND I DEMAND THAT IS REMOVED! 
I believe this is a form of retaliation for filing my complaint ( s ) with the Bureau of Consumer Financial Protection. I have incurred damages from the constants negligence from denial of credit and having to pay for fraud protection from a third party.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I file a dispute with equifax for unauthorized inquiries on XX/XX/2022. Equifax refuse to remove the fraudulent inquiries. This is a violation. Under 15 U.S code 1681b permissible purpose of consumer report I never gave you written consent to report anything on my consumer report. No consent is fraud
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes to Equifax regarding my credit file & they havent deleted all of the negative information including the hard inquiries. I know that theyre using the XXXX system but by law according to the FCRA section 611 I have a right to see how theyve come up with the information that caused them to leave the inaccurate information on my file.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX  XXXX XXXX Original creditor
Complaint sub-issue: Card opened as result of identity theft or fraud

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called US Bank several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Complaint sub-issue: Personal information incorrect

I discovered unverifiable, invalidated, inaccurate, and questionable items on my credit report, which caused XXXX XXXXXXXX upon me.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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 instructions.