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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I C Systems INC is trying to collect a debt that is well past the statute of limitations. Original debt was for XXXX and was from XX/XX/2009
Complaint sub-issue: Information belongs to someone else

I asked for my credit report from Equifax on XX/XX/2021 they sent out a report with the wrong name spelling of my last name. I have disputed this numbers of times and other incorrect information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''
Complaint sub-issue: Reporting company used your report improperly

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Didn't receive enough information to verify debt

I am writing today because I am having an issue with a collection agency reporting data to my consumer credit file. I have asked for validation, be it documentation or other documents in compliance with my rights under FCRA. Twice I have asked and twice nothing is provided on this account. They stamp the file FCRA compliance and do nothing to comply. I have no knowledge of the item reported. I am asking assistance in forcing the reporting agency to comply with the law and if it fails to do so, as it has with me on multiple occasions to have the information removed from the 3 credit reporting agencies just as now they have placed it there.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOBXX/XX/XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}.
Complaint sub-issue: Problem getting your free annual credit report

I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.
Complaint sub-issue: Information belongs to someone else

showing error on my credit reports listed : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have disputed this information and they have yet to remove any of the information or any accounts associated with these alleged names and addresses.
Complaint sub-issue: Account status incorrect

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from XXXX and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on Equifax, XXXX, and XXXX.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Complaint sub-issue: Old information reappears or never goes away

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 19 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following accounts are impermissible : 1. XXXX/XXXX XXXX, XX/XX/XXXX 2. XXXX/XXXX XXXX, XX/XX/XXXX XXXX.XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX/ XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX, XX/XX/XXXX XXXX. XXXX /XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Hello currently it states that I owe {$58000.00} on my student loan. However at the time of my student loan the maximum amount that I was allowed to borrow was up to {$18000.00}. Somewhere along the lines I have been scammed & fraud. When I try to contact My Fed Loan.org they transfer me to / give me a disconnected phone number. They said that I need to talk to their consolidation department ( which I have tirelessly tried to find and most likely doesn't exist. ) I don't know what to do from here. I looked at my loan disbursements and the majority of them are incorrect.
Complaint sub-issue: Information belongs to someone else

I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.
Complaint sub-issue: Debt is not yours

Received notice from Afni, Inc for collection of a debt today XX/XX/20, print date XX/XX/20. The mailing included notice that a negative credit report may be submitted on my credit record with a credit reporting agency. The " debt '' in question of {$86.00} was stated to be for XXXX XXXX. I contacted XXXX XXXX and they have No record of outstanding or unpaid debt. This attempt to collect is not based on actual debt owed. I have mailed a request for validation of the debt to Afni, Inc as I dispute this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Dispute with XXXX for negative effect on credit for services not rendered or incomplete, equipment returned to facility. 

XX/XX/XXXX. XXXX service installation appointment made XX/XX/XXXX XXXX technician tried to install service ( unsuccessfully ) XX/XX/XXXX ( same Day of install ) all equipment returned to local facility due to incomplete new service or install. representative stated that was all that was needed and account will be credited and deactivate. 
XX/XX/XXXX, XX/XX/XXXX statements continued from XXXX for a amount of {$830.00} owed. 
XX/XX/XXXX contacted XXXX customer service they state equipment is missing XX/XX/XXXX notice of account in collections for amount of {$740.00} XX/XX/XXXX sent certified mail letter to XXXX XXXX in regards to this matter. 
Continued notices for collections and certified mail with copies of equipment returned and dates provided. 

XX/XX/XXXX notice from XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX notice from XXXX XXXX as of XX/XX/XXXX i am still receiving notices in collections. 

This is an ongoing issue i have tried to fix this issue several times but accounts keeps changing in hand to a different collections agency. I again returned equipment to local facility, person at facility stated that was all that needed to be done account will be deactivated and credited. This was all with in 30 days of new installation or service, technician had difficulty installing service in the home, installation Issue was never resolved. 

This has effected my credit rating and score negatively.
Complaint sub-issue: Trouble with how payments are being handled

I've been calling Mohela since XX/XX/2022 to check the status of my loan forgiveness. 

On XXXX XXXX they stated that they doing have any of my information from XXXX. 

Called XXXX XXXX they stated that they still haven't received my information from XXXX. I have 120 payment and I'm eligible for XXXX. 

Submitted another employment verification just to make sure before the XX/XX/XXXX deadline. 

Called in XX/XX/2022. I waited for 5 hours on the phone for someone to say what I already knew. They stated that I've met all requirements for XXXX and they don't know when my loans will be forgiven. 

I qualified for loan forgiveness back in XX/XX/2022 when my loans were with XXXX.
Complaint sub-issue: Reinserted previously deleted info

Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Complaint sub-issue: Trouble with how payments are handled

This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!
Complaint sub-issue: Personal information

Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed items I feel is not correct with LexisNexis in return the said the items was correct then I in return I asked them was there method of verification and refused to share that information with me. I then send out another letter asking for the method of verification on XX/XX/20 they received it on XX/XX/20 and have failed to respond which I feel is a violation of fcra
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.Sectio
n 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: You never received your bill or did not know a payment was due

Citi Bank just posted to my XXXX credit report that I have not made any payments on my card in the last 90 days. This has caused me to not get approved for a loan an has caused me get hardship. I have attached proof of me making payments.
Complaint sub-issue: Problem making or receiving payments

I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. 

I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. 

I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. 

With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. 

I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. 

PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/2021, I had an appointment at an apartment complex here in XXXX, to view an apartment for my Mother. I was greeted by the receptionist and she asked me to spell my last name. Unbelievable, she then showed me a piece of mail that had MY NAME with a valid address at their complex! I had never lived there before and they had planned to " return to sender '' this piece of mail. So, since it was in my name, I decided to open it. It was a " Settlement Offer '' from a company called EOS CCA out of XXXX, MA. Their Client Name listed is XXXX XXXX. I called XXXX XXXX  since I was a former customer of theirs and verified I owed them no money! This is 100 % fraud!