Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXXoriginal creditor XXXX XXXX XXXX which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 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 PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.
Complaint sub-issue: Didn't receive enough information to verify debt

I attempted to call, pay off debt and requested letter from Tek-Collect, Inc. I fought out this company never had my new address since moving in XX/XX/XXXX. I called the XXXX XXXX XXXX and fought out Tek-Collect Inc made false statement concerning conversation in XX/XX/XXXX. I was told the company does not accept XXXX card and my checking is with XXXX. This company was making in hard to pay an account open with XXXX   since starting in XX/XX/XXXX when I received product never paid for, which never got in touch with me either. I received service from the hospital, which I worked for since XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. 

Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. 

Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. 

XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX   company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. 

I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I have had N26 hold authorization temporary holds for 31 days, even though the merchant has released held funds. They make it impossible to get these holds released
Complaint sub-issue: Account information incorrect

Please see the attached document affidavit of truth. My notarized copy was sent certified mail and I have proof of my return receipt that it was sent and received and I havent received a response in the allotted time and Im requesting they send my {$1000.00} for violation of my rights.
Complaint sub-issue: Didn't receive services that were advertised

EQUIFAX IS PLACING ACCOUNTS BACK ON MY CREDIT FILE FROM FTC REPORTS THAT SHOULD BE REMOVED/BLOCKED/DELETED AS THEY WERE BEFORE, NOW IVE NOTICED RECENTLEY WITH OUT ANY AUTHORIZATION THESE ACCOUNTS ARE RE-APPEARING THAT ARE ON MY FTC REPORT AND SHOULD NOT BE THERE PER FDCPA LAWS.
Complaint sub-issue: Debt was paid

I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from XXXX XXXX and Equifax
Complaint sub-issue: Public record

I filed for bankruptcy in 2008 but it was denied, so essentially my financial status was never bankrupt. 

Please remove this from my credit history. 

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

i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, equifax i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.
Complaint sub-issue: Their investigation did not fix an error on your report

I gave Equifax the courtesy of filing my complaints concerning " old '' accounts directly to them but they will not clear a specific account from my file. I Never stated that the account in question was not mine. I Did state that it should be Reviewed and Removed. Furthermore, the Equifax dispute center does not give many options to specify exactly was a consumer is disputing. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. ''
Complaint sub-issue: Their investigation did not fix an error on your report

I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   XXXX, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against Discover Card Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with Discover Card Company for the reported amount in XXXX XXXX XX/XX/XXXX XXXX, they denied my dispute. However, the same company later acknowledged in XXXX ( XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from Discover Card Company ). 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Having problems with customer service

I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to me.
Complaint sub-issue: Information is not mine

This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.
Complaint sub-issue: Investigation took more than 30 days

I have been trying to add my son to the family plan for several months after Equifax moved to myEquifax. I was told that I needed to send in documentation of guardianship. I mailed it in in XX/XX/2021 with certified mail ( received the stub ), but was told that they did not receive it. I then faxed it in in XX/XX/2021 and received confirmation that my fax went through, but yet again was told that my information was not received. I find it extremely disconcerting that a credit monitoring service that is suppose to monitoring and protecting my credit keeps telling me that my personal information that I have sent in is no where to be found in their system. Furthermore, every time i call, I am transferred to multiple people who do not seem to know what is going on. Today, I was transferred to XXXX different agents and was on the phone for XXXX hr XXXX minutes without any resolution. I am extremely frustrated and dissatisfied with Equifax 's service.
Complaint sub-issue: Information belongs to someone else

XXXX removed XXXX  off my credit report I filed the same thing wit XXXX  and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Account status

My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.
Complaint sub-issue: Problem with statement of dispute

I was on military XXXX, copies can be provided, and cancelled my XXXX account but they continued to charge me and refused to acknowledge the SCRA. I disputed this charge with XXXX credit report agencies, but they refused to acknowledge SCRA. I disputed this with the phone company and with the credit bureaus, and have gotten no help, so I talked to my units legal counsel and financial counsel ( XXXX XXXX, XXXX, XXXX, you have my permission to ask them any follow up questions ) and they suggested I report this to CFPB before pursuing further legal action.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items/ are unknown to me.I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX AV XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Threatened or suggested your credit would be damaged

REMEX can not and did not verify this debt and it is not mine
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter 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.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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. 

I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Trouble with how payments are being handled

I submitted an employment certification form ( ECF ) form to have qualifying payments counted from the years I've worked for XXXX College XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ).

XXXX XXXX denied the ECF, stating that section 3, Item 5, the employment begin date was not filled out. It was clearly filled out.

They also said section 3, items 9-13 were not filled out. Item 9 was clearly filled out, Item 10 was clearly filled out and the instructions on item 10 said to skip to section 4, so the remaining items 11-13 were unecessary They also said that they were denying it because section 4 had been filled out by my employer. The instructions for section 4 clearly state in all caps " TO BE FILLED OUT BY EMPLOYER ''.

I submitted the form again with these areas highlighted and explained that their reasons were invalid.

They denied it again saying that the official from the employer had not listed her phone number. She had clearly listed it on the appropriate line in section 4.

Furthermore, they reduced the number of payments that had already qualified without any explanation at all. I had already certified 14 qualifying payments. They reduced that number to 12 with no explanation at all. The real number should be closer to 40.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX service plans at best buy cancelled finally XX/XX/XXXX and XX/XX/XXXX refunded to Citibank but Citibank says they don't really have credits and the refund can take 30 days from the time they are refunded from best buy to my credit card to get credited toward balance and I will need to pay them in order to avoid interest. This is unacceptable to expect me to pay on something that has been refunded already and it not there will be late fees and interest.
Complaint sub-issue: Account information incorrect

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, Equifax, and XXXX are violating my rights and breaking federal law!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. XXXX and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.