Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have tried to pull my credit report and I am unable to pull it from Equifax. The company have locked my credit file and I can't apply for credit or get a home loan. I have reported it several times. The agents that are out of the country will not assist me properly and is discriminating against me because I am a victim of XXXX  XXXX. Today, XX/XX/2022 I spoke with XXXX and she refused to remove the credit security block. She told me that the creditors must call to request my credit file. The creditors told me for my home loan that it is illegal and they will not do it. Equifax have also refused to dispute any items on my credit file. 


I am a victim of XXXX XXXXXXXX. I am a victim of ID Theft. I was XXXX. I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because XXXX XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true
Complaint sub-issue: Trouble with how payments are handled

I have bank statements, back to XX/XX/XXXX, that show that I have paid American Education Services ( XXXX PA ) {$68.00}, XXXX ; yet their on-line statement shows that I have only paid a total of {$30000.00} since XX/XX/XXXX. Additionally, an AES Financial Transaction Statement, that I obtained from them, shows that I paid an additional {$8200.00} between XX/XX/XXXX and XX/XX/XXXX ; although I do n't believe it reflects proper credits. In short, I have proof that I have paid {$76.00}, XXXX to AES, while they show only {$30.00}, XXXX paid ; a difference of {$45000.00}. Moreover, the AES Financial Transaction Statement is replete with erroneous late fees, which should not have occurred after I signed up for automatic payments. 
Finally, I am a XXXX veteran with XXXX and this situation is materially contributing to additional XXXX affecting my overall XXXX health.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Complaint sub-issue: Information belongs to someone else

Attached is the police report, my drivers license and social security card for identification purposes for XXXX and Equifax to block the information, accounts and credit inquiries listed on my credit report.
Complaint sub-issue: Reporting company used your report improperly

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Not given enough info to verify debt

Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX XXXX Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Complaint sub-issue: Account status incorrect

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We paid for a concrete pour service from XXXX XXXX on XX/XX/18 ( which would not take place until XX/XX/18 ). On XX/XX/18, we canceled the service ( there was no cancellation clause in the contract, and it was timely cancellation since it would not have taken place until XX/XX/18 ). Then we didn't hear back from XXXX XXXX despite many calls and emails. 

Our credit card company XXXX XXXX PREFERRED credited this charge at first but then reversed it - asking us to support with other information which we did throughout these past 2 months. They have since closed the case despite these circumstances : 1 ) We never got the service we were charged for. ( another concrete vendor wrote a letter to XXXX in our defense saying the work was never done ) 2 ) We tried to cancel timely. ( see contract - no cancellation clause ) 3 ) XXXX XXXX is a fraudulent company ( see the recent XXXX complaints, XXXX station in XXXX will also do a story on them about them ripping people 's money ) 4 ) We have provided everything possible that they have requested. 

Citibanks investigation did not even ask for the cancelation clause, even though that is why they initially ruled in the merchants favor. If they had done a proper investigation none of this would have happened. Citibank employees have told me numerous times to submit documentation, the claim was open all to be told later by a senior supervisor XXXX XXXX XXXX that none of that is true and after XX/XX/XXXX deadline nothing else mattered. They are very incompetent and had they discussed how the dispute should have been filed ( cancellation vs no services received ) we also would not be in this situation. Citibank blamed the rules on Mastercard/Visa rules about timelines, but they were the ones that caused this because they did not properly investigate. I am happy to provide more explanation because this should be a very logical dispute that should have ruled in our favor. 

Somehow the merchant and the merchants bank stated services were done, obviously not true and why would Citibank just accept that was true??
Complaint sub-issue: Frequent or repeated calls

I have dealt with flagship credit acceptance for a car loan that I opened back in XXXX. The company had harassed me on many occasions over the phone. They would call my cell phone repeatedly throughout the day, as well as my workplace during hours that were highly inconvenient to me. Flagship has also shown up to my place of residence to serve me a letter after informing them not to call me outside of the time frames I had advised, which I have a witness the leasing office. They have contacted me numerous times, and had even questioned my ability to pay during hardship and advised me that I need to have family members help me, or else. I have gained much knowledge of consumer protection and rights and Flagship Credit Acceptance has failed me in many areas. The injuries were far too mortifying. I had tried to arrange payments for past due balances and even requested extensions and were given new numbers and information each time- no one in the company was ever on the same page. The company had failed me and has also repossessed my vehicle as of XX/XX/XXXX. 

*Photos attached- all unknown callers are from Flagship credit acceptance XXXX
Complaint sub-issue: Other problem getting your report or credit score

This is my third CFPB complaint to Equifax to resolve my issue of a split file. I have contacted them on numerous occasions and made three complaints here that were all answered incorrectly by the company. My file has been split into several occasions affecting my credit score and file. If this is not resolved immediately I will be taking legal action against Equifax.
Complaint sub-issue: Information belongs to someone else

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

Account : USCB CORPORATION # XXXX - BAL : XXXX
Complaint sub-issue: Account status incorrect

This XXXX XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. XXXX has been asked to correct this inaccuracy. Equifax and XXXX have also been notified to correct the false information but have not.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

11. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Someone was suppose to handle this situation, but it was never resolved.
Complaint sub-issue: Information belongs to someone else

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, Equifax and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law
Complaint sub-issue: Trouble with how payments are being handled

I am under the PSLF loan program. I have been since the programs inception in XXXX. I went back to school on XXXX, so under the old program I was told I would have to start over with payments which I did in XXXX. 

Every year, I am expected to fill out a certification form verifying that I work for a public non-profit agency. I do this every year as I have worked for different public school districts over the years. 

Recently, XXXX XXXX passed a law that previous payments before you went back to school count. But even before this, Fed loan is missing many years of payments even though I faxed in the forms multiple times. There are at least XXXX payments missing even before my XXXX payments would even be considered. 

I have tried calling and having been on hold for over XXXX hours I am told my payments are in process. Then I get an email showing what payments have counted, only to find several school districts missing that I have faxed them forms for. 

As an educator, I don't have time to call and be on hold. I have now faxrd some of these forms XXXX or XXXX times to no response. 

I can send the forms to you that are missing if you request it. It was XXXX districts over a span of 9 years. 

I appreciate your assistance.
Complaint sub-issue: Personal information incorrect

I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORTS. THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/2006 a judgment was placed against me in the amount of {$2000.00}. They file every 10 years to keep judgment growing to {$11000.00}. how many more years can they harass me and keep this going. I was never notified of this debt until recently and they have been going behind my back to get judgments renewed after 17 years now. I feel frauded because they will not stop harassing me at my home, job. Is there a statute of limitations from this harrassment?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Complaint sub-issue: Debt was result of identity theft

I have disputed this fraudulent account opened for so many times. I am a victim of identity fraud.
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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: Need information about your loan balance or loan terms

When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX
Complaint sub-issue: Problem with fees

- I had an XXXX issued Fidelity Rewards credit card since XX/XX/XXXX. On XX/XX/XXXX, I made my usual online payment from my XXXX checking account of the balance of the XXXX card which was {$740.00} and received a confirmation number for the payment. On my next statement, I see that the payment has been reversed and I have been charged a " Returned Payment Fee ''. I call XXXX and they explain the reversed payment and the fee are due to my checking account not having sufficient funds at time of payment. I call XXXX and they confirm that my checking account DID have sufficient funds, also they have no record of XXXX electronically requesting payment. 

- In fact, this issue occurred at least twice before. My on-time payment on XX/XX/XXXX of the balance {$3800.00} was reversed on XX/XX/XXXX and a Returned Payment Fee was also applied. In this case ( and one other case for which I do not have the dates/amounts on hand ) I was able to get XXXX Customer Service and XXXX Customer Service on the same conference call, XXXX stated that their payment request was returned with a response of " insufficient funds '' and XXXX replied that I had sufficient funds on the payment transaction date and that they never received a request for payment from XXXX. Ultimately it was decided there was a glitch with the electronic payment system and the returned payment fees were dropped from my account and I rescheduled the balance payments. 

- For the instance on XX/XX/XXXX, the Customer representative I spoke to at XXXX refused to participate in a call in XXXX, or contact XXXX on a separate call to verify that I had sufficient funds on that day, or to address my issue at all. Since this problem with payment has occurred at least three occasions, two which took considerable time and inconvenience to resolve, one which is still unresolved, I decided to close the credit card account. I paid off the purchases. I did not pay the returned payment fees or the interest because if my payment had been processed as scheduled, there would not be any interest or fees.