Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

This inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX  Account Number : XXXX Bal : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXXXXXX XXXX  was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Complaint sub-issue: Received bad information about your loan

As per the XXXX limited waiver as of XX/XX/2021, Ive applied to consolidate my student loans, which include both direct loans and not direct loans. The language of the waiver states that with consolidation, the repayment clock will not be set back at zero. However, in my initial letter received from Fedloan servicing, it says Remember, you will need to make another XXXX qualifying payments on your new Consolidation Loan. I asked for clarifying about this via email but have not received a response, other than another letter reminding me that I have 10 days to cancel my consolidation. I am petrified that I will lose credit for my XXXX out of XXXX payments if this is the case. There is clear discrepancy between the XXXX language and that of Fedloan servicing, and it may cost me.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 Received alert of new student loan on Equifax credit report. This not a new loanm My student loans have been consolidated, so XXXX XXXX {$13000.00} XXXX XXXX {$33000.00} XXXX XXXX {$45000.00} should be listed as PAID in FULL with XXXX BALANCE. Spoke to Equifax and it has not been resolved. Spoke to Student Loans-US Department of Education spoke to XXXXXXXX XXXX XXXX XXXX who also confirmed. 

Current LoaXXXX XXXX XXXX xxxxxxxxxxxx XXXX {$48.00}, XXXX is the Student Loan XXXXXXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$13000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$33000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$45000.00} XXXX Balance, Paid in Full
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting ace 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 a 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

This is my second complaint against Equifax for doing the exact same thing twice. The first time I complained to the cfpb about them retaliating against me for complaining to them and fileing a dispute against a collection agency. The first time Equifax dropped my credit score by XXXX points because I dared question Equifax about their business practices and I felt they were retaliating against me for questioning them. On XX/XX/2018 I filed a dispute against the same creditor. On XX/XX/2018 my credit score dropped by XXXX points again. I know Equifax will make up some excuse for doing this to me again. But it has become very clear that " Retaliation '' seems to be a common practice at Equifax. There is no reason for my credit score to drop XXXX points again when in all actuality my credit score should be improving and the other two credit reporting agencies both show my credit score improving. I have printed copies of my credit score from the other two agencies and they both show my score going up by XXXX points, only Equifax shows my score going down by XXXX points. Equifax who has alot of control over peoples finances should not be allowed to ruin peoples lives financially, especially when they are doing it in retalliation.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report and to this day which is well over 60 days, I have yet to receive a response. At this point I feel like my issues aren't being taken seriously and I feel completely disrespected in regards to my disputes. I know that things are moving slow due to COVID but the law is the law and I should have received a response by now and since I haven't all those inaccurate items needs to be removed from my account immediately or we will be heading to small claims court which I have no problem doing. My information was apart of the equifax data breach and could have been placed into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

The below inquiries were done without my permission. I notified Equifax that these inquiries were done without my permission. These were unauthorized XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX 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 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Complaint sub-issue: Debt is not yours

This company report information on my credit report that don't have any knowledge of this debt never done any business with this company I asked to provide me with documents showing that I have a signed contract or agreement with this company I ask them to provide me a copy of driver license and copy of social security number and provide me me information that they are license and register to do busy in the state of Tennessee they haven't provide any thing. This company isn't following the fair credit reporting laws 609
Complaint sub-issue: Their investigation did not fix an error on your report

I have accounts that need to be validated and accounst that I do not reconized and accounts that say charge off and late which are not true
Complaint sub-issue: Information belongs to someone else

THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!
Complaint sub-issue: Their investigation did not fix an error on your report

Ive tried multiple times to have this Account # XXXX removed from my Equifax credit report when the company is clearly taken advantage of my rights and is in violation of multiple FCRA laws. To start, In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : Also states a consumer reporting agency can not furnish a this account without my written consent.

Under 15 U.S.Code 1681b permissable purposes of consumer reports I never gave any written consent to report this a count to my Equifax credit report. No consent is identity theft.

Under 15 U.S.Code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) this account is in violation not reporting 100 % accurat, it lists Child support court as the furnisher thats forgery and misleading because the courts dont report this type of account.
Complaint sub-issue: Account information incorrect

XXXX has failed to validate these accounts on my credit report. As seen by several attempts, XXXX has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to XXXX & XXXX XXXX asking for an instrument of indebtedness.Both XXXX & XXXX XXXX have failed to respond correctly to each of these letters. XXXX XXXX never responded and XXXX responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

XXXX is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas experian, transunion and equifax ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO XXXX AND XXXX XXXX AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

XXXX is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

Earned a {$100.00} prepaid debit card from XXXX in XX/XX/XXXX after sitting through lengthy timeshare program. Used several times, then card stopped working on the machines/stores I tried using it on. Friend suggested I clean with alcohol, which I did. Used on XX/XX/XXXX, declined as " expired. '' Check account on XX/XX/XXXX and saw remaining funds of XXXX were removed on XX/XX/XXXX. Called costumer service # ( XXXX ) XXXX, and explained problem ; requested funds returned and extension and was informed that the funds are gone and there is nothing I can do. Spoke to XXXX, manager, who refused to give me last name or employee ID number. 
Having read on prepaid cards before, my understanding is that funds do not expire legally for 5 years. Additionally, it should be mentioned the printing on the card makes the expiry date impossible to read at a glance. I was surprised to find that after 6 months, my funds were removed, and considering my issues with the card, was dismayed that no consideration was given to extending funds earned. My husband and I both wasted hours of our precious family vacation time with the promise of {$100.00}. I feel the circumstances merit some sort of recognition and assistance to ensure people can use the funds they funds they are promised.
Complaint sub-issue: Received bad information about your loan

Hello. I have worked in public service for 9 years. I have been paying on and off over those 9 years. When I decided to go back to school I called the loan servicer XXXX at the time to ask what my options were. I wanted to pay but I couldnt afford the high payment plus paying for school. I was told all or nothing for payments. A hardship would be best or to be in school part time. On top of that I was also told that when in school your loans go to deferment / school forbearance, Those payments would not count towards any forgiveness so its best to just not pay because I would be giving away free money towards a loan. Just wait I wanted to be on pslf and I didnt even have a pslf form filled out. I was told based on my form to verify employment and pay stubs that is all I needed. Sadly this information I was told years ago was and is all wrong. I was on a standard payment plan if some sort making large payments when I could have been on a more affordable one. Im so hurt by this and I know Im not the only one. I wish there was a way to recalculate my payments based on my income at the time and be able to pay these. Now years later I make more money than 9 years ago and my payment is almost the same or less because Im on the right plan. This has to stop people need to be helped out of load not misguided. Forbearance and school should count and should have a set payment of zero. You dont know what you dont know. People want to be out of school Loan debt not in it for a lifetime. I cant even see anything on my loans since they were sold.
Complaint sub-issue: Fee problem

I had a checking account with Key Bank that I used sparingly. I recently went in for a transaction and was told that my account had been closed. 

I had {$40.00} in the account. I contacted Key Bank and they returned my call. They told me that they had begun charging me a XXXX XXXX  monthly fee and closed my account after the funds ran out. I had a free checking account with no minimum balance and should not have been charged a fee. 

I never received any notifications via email or US mail, or phone calls, text messages, or any communications at all that they were charging me a fee or that my account was closed. 

I don't understand how they are allowed to simply take my money without notifying me. They had my physical address, email address and phone number.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item 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 theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

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

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 writte
n instructions.
Complaint sub-issue: Reporting company used your report improperly

THESE ACCOUNTS HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate, XXXX identical bills both they see being reported differently, See if the retards at equifax can figure it out Equifax and XXXX According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!
Complaint sub-issue: Old information reappears or never goes away

In XXXX the account in question with XXXX XXXX XXXX was verified after a dispute. I contacted the XXXX, XXXX and XXXX bureaus to remove the dispute remark since the account was verified. I.C. Systems continues to report to the XXXX credit bureaus the account is in dispute. I spoke with XXXX managers on XX/XX/XXXX and they informed me they can not remove the dispute remark because I had disputed the account in the past. I told the manager that their reporting was inaccurate because I was no longer disputing the account and the account had been verified. XXXX XXXX the manager ) specifically asked me if I was no longer disputing the account which I responded " that is correct ''. She continued to refuse to update to the credit reporting bureaus that the account is not in dispute. I specifically requested an XXXX update to delete the dispute coding and verbiage from the account. The manager insisted they can not do that even though I had verbally verified the account. She stated the only way the dispute remark will be removed was to settle the account ( pay the debt ), and only then my account will be updated. My response to her was they are free to continue to attempt to collect the debt ; however, they are illegally reporting incorrect information on my credit reports that is affecting my ability to get a home loan due to the dispute remark. Additionally, telling me the only way to remove the dispute remark was by paying the account was XXXX.
Complaint sub-issue: Debt was result of identity theft

I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.
Complaint sub-issue: Old information reappears or never goes away

FALSE STMT TO OR OBSTRUCT PUBLIC OFFICER : It happened between the year of XXXX, the statements should be clear by now. It was filed on, XXXX, XXXX, XXXX, offense date is, XX/XX/XXXX, and the disposition date, XXXX, XXXX, XXXX. 

All actions has been resolved and cleared on other background checks, please request a new background check.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}