Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Equifax has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Equifax permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Equifax permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Equifax, and their registered agent in Utah where I reside. Because Equifax refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609.

Equifax has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Equifax does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

Equifax is reporting an account that doesn't even have a tradename and I've requested that it be deleted, yet it hasn't. How could Equifax have verified or validated an account whom they don't even have an entity to contact? 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX DELETE the inquiry from XXXX - XXXX XXXX  as I have never done business with them or given them permission to access the consumer file or consumer report concerning me. This tradename does not exist and is not registered to do business in Utah. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Equifax permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Equifax has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Complaint sub-issue: Account information incorrect

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Equifax responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you Equifax responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Complaint sub-issue: Received bad information about my loan

In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.
Complaint sub-issue: Old information reappears or never goes away

This account is from 2005 and should be removed from my credit report
Complaint sub-issue: Information belongs to someone else

I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}
Complaint sub-issue: Problem lowering your monthly payments

I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.
Complaint sub-issue: Trouble using the card to spend money in a store or online

For at least the last two months Crypto.com has refused to give me access to my funds on my Crypto.com XXXX card. Ive contacted them on at least four different occasions and theyre still keeping my money.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi Card Case # XXXX On XX/XX/2020 I was deceived and fraudulent charges were posted to my account. These charges were placed on my Citi Card. There were 2 transactions for {$500.00} each for gift cards to XXXX. I was told that there were fraud charges on my XXXX account and that I could reverse these charges with gift cards. I purchased the gift cards, thinking I was talking to XXXX. Then I was told the cards could not be activated and I had to purchase more. I was scammed. I notified XXXX but unfortunately the cards were used within an hr. of purchase. 

I did not use these cards. Can they be tracked to where they were used? Citi is refusing to reverse this charge because I purchased the gift cards. All of my accounts were breached electronically. XXXX XXXX, resolved. XXXX credit card company in the process of fixing. XXXX checking account is in the process. XXXX transfer to XXXX account, this has been fixed. XXXX HELOC account {$3000.00} in fraudulent charges in process. 

My personal charges on my Citi card are paid. Only the {$1000.00} fraud remains. I don't know what to do, or if I can do anything. Please advise.
Complaint sub-issue: Don't agree with fees charged

I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?
Complaint sub-issue: Information is not mine

I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.
Complaint sub-issue: Not given enough info to verify debt

I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.
Complaint sub-issue: Reinserted previously deleted info

Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.
Complaint sub-issue: Was not notified of investigation status or results

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to XXXX and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made XXXX aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. XXXX has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX  & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank has failed to provide a credit for a dispute in my favor. 

Credit card balance has been paid in full every month. 

BDA = Billing Dispute Agent XX/XX/XXXX Billing dispute initiated with Citibank regarding charge for {$2000.00}. Charge was on XX/XX/XXXX. 

XX/XX/XXXX {$2000.00} conditional credit issued ( according to monthly statement ). 

XX/XX/XXXX {$2000.00} conditional credit reversed XX/XX/XXXX {$500.00} conditional credit issued. 

XX/XX/XXXX I call customer service and asked to be transferred to the billing disputes department about an existing dispute. Automatic message answers and says the dispute was judged in my favor. Says {$2000.00} credited to my account. However, only {$500.00} has been credited so far. 

XX/XX/XXXX Call billing disputes regarding {$1500.00} credit not yet posted. XXXX from billing dispute says she will forward to supervisor and contact me same business day. No response from XXXX. 

XX/XX/XXXX No contact. 

XX/XX/XXXX XXXX states via voicemail that she has not heard anything back from supervisor but the information has been passed to them. 

XX/XX/XXXX I call to get an update. BDA says supervisor started looking into the case XX/XX/XXXX. 

XX/XX/XXXX BDA says credit will be issued in 2-3 business days. 

XX/XX/XXXX No credit issued. BDA says they will forward to supervisor. 

XX/XX/XXXX BDA says they will notify supervisor and to wait " a few days '' to receive a response via secure message. 

XX/XX/XXXX No response received. XXXX initially spoke with XXXX. Asked to be transferred to supervisor. Supervisor XXXX takes the call. XXXX says he will email a contact rather than place a general request for the issue. XXXX says he can not approve {$1500.00} because it's " a large dollar amount. '' XXXX 's contact is to e-mail me regarding the credit " in a few days. ''
Complaint sub-issue: Personal information incorrect

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.

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 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: Account information incorrect

XXXX XXXX  is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I just received  collection notice from Allied Interstate claiming I owe an alleged debt of {$200.00}. Please produce validation. Allied is going in the direction of reporting this alleged debt to the national credit bureaus.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am writing this on behalf of my mom. 

XXXX XXXX Balance {$6900.00} Credit Card. I have never opened a credit card in my life. Credit Card date assigned XX/XX/XXXX. There are inquiry dates in XX/XX/XXXX. 
Inquiry for XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't speak English nor write, Called Consumer Services and Went to XXXX XXXX but they can not help me. 
I applied for the XXXX XXXX and during the application process we were told about this credit report. I don't know how to use the computer or apply for the credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment. 

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation? 

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY. 

Please have XXXX telephone the originator of the complaint immediately.