Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This 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 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 XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Overcharged for something you did purchase with the card

Used Citibank credit card to rent a car  XXXX / XXXX / XXXX . I was over-charged. I have the receipt to prove it.     I dispute the over-charge  with Citibank. Citibank c losed the dispute on  XXXX / XXXX / XXXX  stating this : " We have attempted to resolve this dispute with the merchant and/or their bank but have not been successful. The merchant refuses to issue credit to your account. They maintain this charge is for a portion of your rental.   We have no further recourse to obtain credit for you. You will need to seek other means to resolve this matter. We have now closed our investigation of this dispute. '' I feel that  Citibank should believe the consumer first. I showed the actual physical receipt showing the proper amount that should be charged. Citibank ap pears to side with companies.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Complaint sub-issue: Can't temporarily delay making payments

I am writing this complaint based on the fact that i was let go from my job at XXXX XXXX XXXX  on XX/XX/2020, during the beginning of the COVID 19 pandemic, and at such time i was unable to pay my school loan bill with American Education Services. 

I talked to a representative on the phone and he he offered no possible way to help with my payments at all, not lower them not defer them or anything. The only option the representative offered was to default on my lone and after a month i would be able to enter in some sort of appeal. This was impossible for me to do because my grandfather cosigned the loan and if i was late on payments then he would have been penalized. 

It was a very hard time losing my job right at the start of the pandemic, and no one offered any help whatsoever in regards to helping sort out payments when i literally had no money. In fact i am even more in debt and now to family members because i needed to borrow money at a time when i had absolutely no income Making Payments are still a struggle as I never did find a job that paid as much XXXX the one I was let go from and American Education Services still will not offer anything in the way of help.
Complaint sub-issue: Public record

I previously submitted a complaint regarding a IRS Withdrawl for XXXX which should have been deleted from my Credit File relating to Lien XXXX. 
Equifax claimed in there last response below that is was deleted from my file. However the XXXX is still appearing on my credit report and is drastically affecting my credit score which is causing a major hinderance in obtaining new credit. 
XXXX is part of XXXX and was reporting as a duplicate on my credit report from the beginning and needs to be deleted. This has already been Withdrawn by IRS. 
IRS Serial Number for Release & Withdrawl of this included amount of XXXX is Serial Number : XXXX. 
Also, they retaliated with my prior complaint and reinserted XXXX prior State Tax Public Records which were previously deleted. This is blatant Credit Discrimination in itself and I am requesting the XXXX Public Records be removed from my Credit File.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiry was made without my consent
Complaint sub-issue: Other problem

I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. 

Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. 

They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of you?
Complaint sub-issue: Information belongs to someone else

Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.
Complaint sub-issue: Transaction was not authorized

a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have no idea what the XXXX dollar that appears on my report is that appears XXXX2018 is and dob XX/XX/XXXX is incorrect. I never lived on XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I was informed of a state tax lien that I was unaware of by requesting my annual credit report this yearXX/XX/XXXX and it was on my report. This amount was paid off last year in XXXX by installment agreement after I voluntarily went to the Internal Revenue Service here in XXXX, MS and set up installment payments, completely unaware that a lien had been filed. To my understanding a lien is placed 60 days after yearly taxes are filed, and at that time my monthly bills and the fact that I was hospitalized and had to have XXXX, I was totally unable to immediately pay the full amount of {$1100.00}. However upon becoming well after my illness and financially able, I paid the installment agreement unwavering from what was agreed after I went in and set it up. Recently after finding this damaging public record on my credit file, I immediately took action, submitting disputes, sending proper documentation ( the lien cancellation letter ), goodwill letters, and a copy of the webpage regarding state tax liens from the XXXX XXXX XXXX for the State of Mississippi ( stating that once a state lien is paid it CAN be removed from credit reports ), to each credit bureau in hopes that they would have compassion for my situation. So far only one bureau did, XXXX ... It is still under investigation with XXXX. After going back and fourth with the IRS and the Credit Bureaus, the IRS says that they have anything to do with giving this information to the credit bureaus, that the bureaus ' information comes from third parties and publicly recorded information, and the credit bureaus say they get the information from the IRS. I am trying hard to rebuild my credit due to my medical bills I incurred from my ongoing illness, and I have been successfully doing so. I am working diligently so that I can obtain a home loan, after all ... I can not be homeless and continue to pay my bills, I know this is common practice for the Equifax bureau, but their heedless decision is negatively effecting not just my credit, but an important milestone in the security of my life. I am being punished for something that, not only was I unaware of ( I 've never had a lien before and never was notified ), but that I paid off as agreed! All I am asking for is a little humanity. I paid my debt why am I still being penalized? Not only that, but several of the things that I am doing to rebuild my credit have not even been reported on the file that Equifax has for me ... like that fact that I now have a revolving credit card account. However, they receive this private personal information from an unauthorized THIRD PARTY ( NOT THE IRS OR THE COURT RECORDER OF DEEDS, LIKE THEY CLAIM ON MY REPORT ) and immediately place it on my report. Lastly, I have actually read different accounts from people who have had a lien record removed by Equifax, by doing exactly what I did, and I ca n't help but wonder is there some form of discrimination being displayed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Account information incorrect

I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
Complaint sub-issue: Was not notified of investigation status or results

I am not receiving the responses from my disputes for equifax. I have reached out to them several times within this year and even sent a formal ftc letter reiterating my rights to confirm the debts in question. I have not received a single response from them as of now.
Complaint sub-issue: Banking errors

The account was opened under an offer code XXXX where-in {$500.00} should have been deposited in case I fulfill the conditions of 2 direct deposit transactions which was done but the bonus was not credited till date. 


Also, I opened up a business account with them and they asked me to deposit some money in that account to make it active and when I did, the bank sent me a letter stating that they found some inconsistencies in the account info and they will not be able to process account opening. 

Post that, the account was closed by the bank and no 3 days after, account suddenly got opened automatically and the money also got deposited from somewhere.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, natural man/ woman have recently pulled my credit from Equifax and saw that they are reporting a bankruptcy. 
I have mailed the U.S. Bankruptcy Courts on XX/XX/XXXX2022 to ask them if they have any information about me and a bankruptcy and i also asked if they furnish information regarding public records to the credit reporting agencies. They have written me back on XX/XX/XXXX22 saying that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
I am left to believe that Equifax have never validated or verified these public record entries on my credit report. 

I am demanding that Equifax delete this bankruptcy from my consumer report immediately!
Complaint sub-issue: Account status

I checked my credit files on XX/XX/2017 to find that US Dept ED- Direct student loan has sold this loan but this information is being reported on my credit reports by both servicers please. The US Dept ED information is inaccurrate. I 'm asking them to delete their account from my credit files XXXX, equifax and XXXX because they are no longer handling this account and it is being reported twice.
Complaint sub-issue: Old information reappears or never goes away

LAST YEAR I HAVE PULLED MY EQUIFAX CREDIT REPORT WHERE AN OLD ACCOUNT WAS SHOWING FROM XXXX WHICH HAD A NOTE WHICH SAID THIS ACCOUNT WILL BE REMOV ED FROM HYOUR REPORT IN XX/XX/XXXX. THE FIRST DELINQUENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXX. AFTER THAT THERE WAS MY PAYMENT EVER MADE ON THIS ACCOUNT AND IT WAS CHARGED OFF. IN XX/XX/XXXX EQUIFAX REMOVED THAT NOTE FROM MY ACCOUNT AND THEY DID NOT REMOVE THIS ACCOUNT FROM MY REPORT. 
THE SAME INFORMATION WAS REPORTING IN MY XXXX AND XXXX XXXX BUREAU WHICH THEY AUTOMATICALLY DELETED IN XX/XX/XXXX. BY CREDIT REPORTING ACT THEY HAVE NO RIGHT TO KEEP THIS ACCOUNT ON MY RECORD FOR MORE THAN 7 YEARS FROM THE FIRST DELINQUENT MONTH.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a collection on my credit report that has been open for almost 4 years by XXXX XXXX for {$360.00}. I believe my identity may have been used to open this account and I have no knowledge of this account but it seems impossible to remove from my credit report
Complaint sub-issue: Account information incorrect

Nenet has reported me as delinquent on student loans, shredding my credit score. I stopped school last winter and made repayments. Then, I transferred to another school for my XXXX in XXXX. Last payment I made was mid-XX/XX/XXXX. I asked for deferment. I was told by a Nelnet representative that they would contact the school and I would be deferred, once verified. Well, they only contacted the school in XXXX. I thought I was okay. Now, I get reported to at least two credit bureaus as being in default on my student loans. I have asked Nelnet repeatedly to rectify this and, if I have to pay, let 's start payments again, but after they fix the grand mess they caused me through apathy and incompetence. Please contact them and MAKE them fix this. How can you be delinquent, if you do n't know you are delinquent? Their communication is horrific. I do want to consolidate my loans with XXXX XXXX to get away from this company. Need help fixing the credit reporting and some fairness here. Thanks.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the Fair Credit Reporting act HUNTER WARFIELD Account # 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 an account without written instructions On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Complaint sub-issue: Information belongs to someone else

By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.
Complaint sub-issue: Can't close your account

ON XX/XX/2020 I opened 2 checking accounts ( ending in XXXX & XXXX ) and 1 savings account ( ending XXXX XXXX with CitiBank. On XX/XX/2020 Citibank froze account ending in XXXX with just under {$500.00} in the account. I no longer had access on line or could request my money. No one would speak to me through customer services and I got the run around. On XX/XX/2020 my account ending in XXXX was froze with {$3300.00} remaining in the account. I can see it on line but yet again I am not getting any answers on why this is all happening or how to gain access to my money. Also, on XX/XX/2020 my account ending in XXXX was also frozen with no answers or help with a remaining balance of {$25.00}. 

To date I can not get anyone to answer me. I get transferred from representative to representative over and over and over. And managers tell me " banks can hold your money without any reason required ''.
Complaint sub-issue: Problem with product or service terms changing

XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Complaint sub-issue: Information belongs to someone else

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.