Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Complaint sub-issue: Other problem getting your report or credit score

Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 customer service would not help and take care of the negative inquiries reporting to my credit report.I have no knowledge were these inquiries came from. I took the time to contact each company separetely and neither one could give me information where this inquiry came from. The only course of action they gave was to contact the XXXX.
Complaint sub-issue: Debt was result of identity theft

1 ) On XX/XX/XXXX, I filed a dispute with XXXX when I noticed that someone had opened up an account with XXXX using my information, in XX/XX/XXXX, and that XXXX XXXX XXXX was the agency doing the collections. The bill is for {$1500.00}. This has ruined my credit! 

This fraudulent account that was opened with my information was not even possible to have been made by me, because at that time, I was in the process of moving out of state, already had a phone through another carrier, and certainly did not need another. I did not have a XXXX account, nor did I open up one in XX/XX/XXXX. I did not make any purchases with XXXX, nor was I making any payments prior to XX/XX/XXXX, as I did not have any XXXX products. 

2 ) My husband and I suffered identity theft when XXXX, the national company that parents XXXX XXXX XXXX XXXX of XXXX, was the victim of a massive cyber attack. We were notified by XXXX that we were also victims of the attack, and that their " XXXX ''  company was going to monitor our credit. This was supposed to be a 24-month protection. ( I found out later that they had been lax in their service, and that there was no credit monitoring for about a year. ) 3 ) I've had identity theft problems some years before that with : a ) someone who had opened up a phone account in the state of XXXX with another carrier.  This took months to clear up. 
b ) someone who bought a dining set in my name. I was able to have this cleared up thanks to my bank. The perpetrator, a woman, was caught and put in jail. 

4 ) I received a report back from XXXX saying that the company declares the information to be accurate. The details they state on the report actually prove it could not have been me. 

5 ) I have read that I have the right to ask that this information be blocked from my file, and will be taking action for it to be blocked. 

6 ) I suggest a new way of doing business, because with all the cyber attacks going on, American people are being victimized right and left, with no real means of protecting themselves.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$510.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$71.00} ACCOUNT NAME : ACCT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$140.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke with XXXX and equifax today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

equifax : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Complaint sub-issue: Public record information inaccurate

MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Complaint sub-issue: Account information incorrect

Recived verification that's show 's balance incorrect original and current balance!
Complaint sub-issue: Their investigation did not fix an error on your report

This is about CITI Bank ruining my credit for one late payment after I have paid all my bills on time, usually in full, for 18 years. They did not look at all the information that I provided to them before reaching their decision to ruin my credit.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.
Complaint sub-issue: Their investigation did not fix an error on your report

An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Complaint sub-issue: Information belongs to someone else

EQUIFAXisaXXXXcompanywhoconstantlyviolatestheFCRArules!!IhavebeenthevictimofIDTHEFTandhavesentpolicereportsandtrovesofsupportingdocumentsintoEQUIFAXshowingthistobethecase.IhaveseveralfraudulentaccountsthatwereNOTopenedbyme!TheseaccountswerelistedonallthedocumentsI'vesentin.Theywereallblockedandremovedatonetimeandnowtheyarere-reportingandEQUIFAXrefusestodoanything,AllIkeepgettingtoldisthattheywereverifiedasbelongingtome!!!Thisis100%false!!IftheybelongedtomethenwhyisEquifaxnotsendingproofofthistomeormyattorney?EvenwithaAttorneyinvolvedEQUIFAXWillnotdoanything!!!Howcanyouoperatethisway?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Several car dealerships and financial institutions pulled my credit without my authorization. My credit has a freeze on it as I was a victim of the South Carolina credit identity theft. There are numerous financial institutions that repeatedly pulled my credit without authorization from me. I wish to have these inquires removed.
Complaint sub-issue: Information belongs to someone else

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX  account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Nelnet intial loan balance changed from time of loan after paying on time for XXXX years the loan amount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and XXXX XXXX XXXX and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX. I need a mediation of the original loan documentation that Nelnet state that they can not provide. I have only taken a=out a student loan in the amount XXXX but owe more than XXXX based on what I am paying and on record.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The company has denied me access to its XXXX service - the online access portal to manage details, freezes, alerts and information related to my credit file. Like every other American, I never asked for Equifax to open an account on me, but they wield power over my ability to gain credit and I'm forced to deal with them. There have been multiple attempts by fraudsters at opening credit cards, adding erroneous personal information to my file and purchasing items using my existing credit cards ( including a {$28000.00} purchase a few months ago ). It's unreasonable that I'm not allowed to access my file online and have to resort to mail correspondence, which is even further delayed during the pandemic. All the company says is that I'm " ineligible due to information during my registration. '' That's no excuse for verifying my identity and giving me reasonably fast access to my file. Forcing me to use mail is lazy and borderline criminal given the outsized importance they have in my ability to gain credit. All I want is access to XXXX like everyone else.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report. Equifax has failed to supply accurate information. A bill is not sufficient information and is completely inaccurate. 15 USC 1692J- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I demand these in accurate accounts to be delete from my report immediately. 
OHIO DEPT OF HUMAN S XXXX XX/XX/2016 {$6000.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to XXXX, Equifax and XXXX about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, XXXX will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Complaint sub-issue: Trouble getting a working replacement card

I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry on : XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Old information reappears or never goes away

I got fired from a job that I was working for because of information that came back from a consumer reporting agency. I don't have any felonies on my criminal background so I don't know what is on there. I checked my Equifax report and there is much incorrect information ranging from auto loans, mortgage loans and personal loans. When I try to dispute this information online they give me a choice of business to choose from when they say around a specific time a auto loan or mortgage loan was put in my name. I have no idea who the company is and I choose none of above. After doing this the online system rejects my identity and I can't make a online dispute. But I'm telling the truth when I see I don't know any of these businesses that I'm suppose to have been given these loan. I don't know how they continue to keep this information on my record and I can't dispute it. I had a decent job and I'm very upset to have been fired and now receive no income. I was also provide a credit monitoring service from the IRS after they said that I had been a victim of identity theft and someone had gotten refund checks in the amount of {$4400.00} from the years of XXXX-XXXX.These people where in XXXX XXXX, GA and XXXX, TX. I was staying in a XXXX  XXXX so I could believe how the IRS would process returns from other states with my social security number.Since I have had the monitoring service I've still had problems.
Complaint sub-issue: Was not notified of investigation status or results

Dear Officer, I'm writing to report problem experienced with XXXX XXXX, which led to incorrect reporting of late payments. 

I'm a customer of XXXX XXXX  since XX/XX/XXXX, everything was fine until recent years, when they keep changing their credit card program ( from XXXX XXXX to XXXX XXXX in XX/XX/XXXX, and from XXXX  to XXXX XXXX  in XX/XX/XXXX ), which creates great confusion for customers. 

In XX/XX/XXXX, I thought the program is ending, so I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points. 

I called and wrote to the dispute department several times, however they remain unresponsive. Therefore I'm writing to CFPB to have the issue resolved. 

Last but not least, it appears that XXXX XXXX increased the reward points redemption threshold from around 1,000 to 25,00, which forces customers to use the card even though the features of the card is no longer competitive. I found that exceptionally unfair to the customers, and I saw no other company implementing the same rule. 

Please advise, really appreciate your help
Complaint sub-issue: Can't decrease my monthly payments

My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time