Johnade/consumer_complaints_cfpb huggingface dataset:
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.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
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.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Account information incorrect

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, Equifax, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

This dispute involves XXXX, Equifax, and XXXX. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX account and are severely inaccurate in reporting which in turn interferes with my credit.
Complaint sub-issue: Account status incorrect

Equifax & XXXX  failed to update my account for XXXX account. It was paid in Full and Satisficed. The payments was {$590.00}. Please have them update the payment " in full ''. 

Equifax also gave me XXXX credit score. That is all wrong. I have good payment history and even shows " Exceptional Payment History ''. Please gave them upgrade to a " Higher Score ''. 

My FICO Credit Score is XXXX. How come Equifax is the ( XXXX ) which is low. 

It is because that I am XXXX or XXXX? Equifax is a XXXX Credit Brazeau. Equifax favors XXXX  Race with good, favorable Credit Score. 
This Company must not practice in the " Great State of Maryland ''. The top head at Equifax should be Fired or get training to enlightened about XXXX XXXX XXXX issues. 

I will also report Equifax to the State of Maryland, office of The Attorney General Consumer Protection Division. Equifax should be punished like a spoiled, rude, XXXX Boys. XXXX them good. 

XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Information is not mine

I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.
Complaint sub-issue: Account status incorrect

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I applied for an auto loan. My info was sent to a lender who pulled my credit. They then pulled credit from a company called SageStream and my score was 200 points lower. I see many complaints online regarding this company.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax a dispute on their website disputing my XXXX XXXX car lease which they added a late payment for XXXX and the car was never late on XXXX i also added pictures as proof that car was paid and never late and they didnt remove the late payment which they are in direct violation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS RENT RECOVER OF BETTER.
Complaint sub-issue: Debt was result of identity theft

I have been charged with owing money because someone used a credit card issued at Best Buy through Citibank in the amount of more than {$3400.00}. This was from XXXX. I have not had an account with Citibank since the XXXX and have never had an account with Best Buy. I have contacted Citibank and Best Buy, and both have no information about me, but the debt remains on my record. Neither Best Buy nor Citibank is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through Costco has asked me to file this report.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found 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 inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report.

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation.

In accordance with the Fair Credit Reporting Act your agency 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 my written consent or instructions.
Complaint sub-issue: Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
Complaint sub-issue: Information belongs to someone else

I saw on my credit where there are a lot of hard enquires, that I did not authorize I bought a car in XX/XX/XXXX. I reached out to the credit bureaus and explain to them I am a victim of an identity thief provide them with police reports, XXXX and XXXX tried to work with me but Equifax refuses to even send me a credit report or removed the hard enquires that I did not sign for. I explain to the bureaus I bought a car in XX/XX/XXXX and did not try to buy a next one in XX/XX/XXXX of the same year for my credit to run and secondly, I consent to no one to run my credit for no auto loan in XX/XX/XXXX. So why is my credit being run in XX/XX/XXXX so many times by Equifax.
Complaint sub-issue: Information belongs to someone else

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Complaint sub-issue: Account status incorrect

My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Complaint sub-issue: Trouble with how payments are handled

After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}
Complaint sub-issue: Trouble with how payments are being handled

I requested a review of my Public Service Loan Forgiveness qualifying payments in XX/XX/XXXX. XXXX has repeatedly told me they are unable to provide a date by when the review will be completed. Today I asked why 37 of 99 payments are not being credited as qualifying to my loan forgiveness. XXXX says my previous loan servicing companies stated they are not qualifying payments due to the payment not being " fully satisfied ''. XXXX maintains they are unable to provide a timely review and response because these payments were made under two previous loan servicers : 1. XXXX XXXX XXXX XXXX and 2. XXXX. I am unable to verify the information on my own other than downloading my payment history and last 3 monthly statements from XXXX. The XXXX XXXX XXXX XXXX is not operating any longer and I have no way of obtaining any documentation of payments made prior to XX/XX/XXXX. I graduated in XX/XX/XXXX and entered repayment in XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I received a letter in the mail on XX/XX/21 stating that I applied for a Bloomingdale store credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX BOUGHT FURNITURE AT XXXXXXXX XXXX NEVER GOT COPY OF CONTRACT AND SIGNED ON TABLET AT STORE WITH 2 OTHER WITNESSES. WAS TOLD WOULD RECEIVE ALL IN MAIL WITH COUPON BOOK. NEVER RECEIVED COUPON BOOK TILL EARLY XX/XX/XXXX. FIRST PAYMENT STATED DUE ON XXXX RECEIVED CALL ON XX/XX/XXXX SAYING LATE AND PAID BY PHONE MY BANK TRANS # XXXX XXXX CONTINUED TO LUMP MY PAYMENTS UP AS THEY REPORTED TO CREDIT REPORTING AGENCIES SHOWING ME LATE INSTEAD OF FIXING MOVED ON MY CREDIT REPORT AS LATE FROM XX/XX/XXXX TO XX/XX/XXXX. PAID THOSE MONTHS SOME IN ADVANCE AND XXXX  NEVER HAD PAYMENTS APPLIED CORRECTLY TO EVEN KNOW WHEN I WAS DUE. SINCE THEN MY INSURANCES HAVE INCREASED 40 % FOR MY AUTO, BUSINESS, MY CREDIT SCORE DROPPED DRASTICLY, I HAD ONE CREDITOR LOWER MY CREDIT CARD LIMIT FROM XXXX TO XXXX INCREASE INTEREST COSTS AND DENIALS AS WELL. I ALSO PAID THE 36 MONTH ACCOUNT OFF IN 8 MONTHS
Complaint sub-issue: Attempted to collect wrong amount

What is this complaint about? 
This complaint is regarding Capital Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX refusing to validate a debt associated with my name. 

What type of problem are you having? 
Capital Collection Services has refused 2 requests to validate a debt associated with my name. 

I suspect this is associated with a balance of {$170.00} the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Florida states I owe them. I personally went into their office in XX/XX/2019 to personally discuss and challenge this with the XXXX XXXX, the principal owner. She and her billing associate stated they would investigate these charges with my insurance company, seeing as I had already paid over {$2000.00} if fees for services along with the {$300.00} paid by my insurance company. XXXX XXXX said they would follow up with me. I received NO communication from them since. The only communication I have received is from Capital Collection services who is totally ignoring my request to validate this debt. 

I challenged this debt with Capital Services along with XXXX XXXX XXXX and they have yet been able provide support documentation to validate this debt. 

I still formally challenge this debt and request validation. I do not owe this debt. 

What happened? 
Instead of honoring my request to validate the debt in question, they reported a negative tradelines against me to the credit bureaus. 

What company is this complaint about? 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Who are the people involved? 
My self Credit Collection Services XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.