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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority which stipulates an agreement. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. 


Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Complaint sub-issue: Debt was result of identity theft

The Credit Bureau is reporting inaccurate information on AFNI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {XXXX}
Complaint sub-issue: Received bad information about your loan

I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022 I received a phone call from the US Bank Visa Fraud Department concerning some recent charges on my credit card ( # XXXX XXXX XXXX XXXX ) that happened while I was in XXXX De XXXX, XXXX. I immediately answered the phone, spoke to an agent, and stated that the two charges made to XXXX XXXX XXXX of {$1600.00} and {$500.00} were fraud. The agent stated that they will reverse the charges and do an investigation. They attempted to call me one more time and did not leave a message. I then received a letter dated XX/XX/2022 that stated that the investigation was complete, and no fraud was found because I still had my card and that there was another authorized user on my credit card. They then reversed the charges back and charged me the approximately {$2100.00}. Since then, I have called to reopen the case multiple times and eventually spoke to an agent about my case after I filed a complaint. I stated that there are no other authorized users on my account, and it is clear that my card was scanned and charged somehow. This agent stated that I need to get a police report from XXXX, video footage and witness statements. 

My current case # XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have XXXX credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. XXXX XXXX Phone # XXXX 2.XXXX XXXX PHONE # XXXX 3. Happy money inc Phone # XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to properly secure my personal information leading to a public realease of my personal information without my consent. High ranking members then sold off stock before releasing news of the improper release of data, which is illegal insider trading and fraud. I 'm now highly vulnerable to credit fraud and my score seems way too low on XXXX XXXX. I want Equifax to send me all information and reports it has related to me, including credit, background, licensing etc, any service they provide in any industry that has any data related to me. I want a full reset to a perfect credit score and 5 years of credit monitoring.
Complaint sub-issue: Debt was result of identity theft

I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have six ( 6 ) inquiries on my credit report that I did not authorize. My personal information was released without permissible purpose and the credit bureau has refused to respond to my dispute. I have sent two letters and waited over 45 days without response.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file the items that I need deleted are listed in my report. I am a victims of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I have also enclosed copies of the federal trade commission identity theft affidavit, I will appreciate if you would delete it as soon as possible, as it is hindering me from advancing the events in my life style to provide a better life for my family.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions 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 instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

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

I have been disputing the same account on my credit file with XXXX, Exuifax and XXXX. The account was opened in XX/XX/XXXX. It was paid off in XX/XX/XXXX per my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XX/XX/XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.
Complaint sub-issue: Need information about your loan balance or loan terms

I received a notification from Discover that I had possible eligibility in a Discover XXXX XXXX 2 % rebate program. I called in to ask and was told I was eligible for the smaller of two loans ( or about a {$40.00} rebate ). Unrelated to this inquiry, I was told that the reason I was not eligible for the larger loan is because I chose a fixed rate and not a variable rate. This sure feels a lot like steering. 

At any rate, I was told I was win fact eligible but I then needed to provide proof of XXXX. I did that after much searching through old photos as I was overseas. I was then told today via secure message that now I'm ineligible. But no reason was given. I called in and asked why. Then I was told that I XXXX too long ago. Then I was told that my claim was too long from the date of XXXX Then after being put on hold a long time, I was told that now my loan was disbursed too soon to when I actually XXXX  Frankly, I should be paid 2 % back on both loans since I took out loans, paid them back, and XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights.

15 U.S.C 1981 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 instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX, All three major credit bureaus ( Equifax, XXXX, and XXXX   ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.
Complaint sub-issue: Debt was paid

Former XXXX XXXX Customer, Fired them in XXXX 2014. I returned all equipment in their provided box and paid all bills. I had no contract with them. About 9 months ago collections agencies started putting {$160.00} on my credit bureaus as unpaid. I have opened a complaint with my State Attorney Generals office as well. I owe XXXX Nothing all accounts are paid in full. They have now switched to the XXXX debt collector Allied to ding my credit with which I will fight but they just continue their fraudulent practices.
Complaint sub-issue: Problem with customer service

I submitted 3 employer certification forms on XX/XX/22 for loan forgiveness. On XX/XX/22 I submitted the forms for the second time when I received the letter stating only one form was received. On XX/XX/22 only one of the form was processed and even that one was not processed correctly. I called the ombudsman on XX/XX/22 when nothing was updated on their website. The ombudsman stated that it would take 2 weeks to process all the forms. On XX/XX/22, I saw that still only one of the form was processed correctly. I called the ombudsman again on XX/XX/22 who now stated that it would take another month to process.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I noticed that there is an unrecognized account on my Equifax credit report. It shows that the account was open on XX/XX/2018. I have never opened this account and so I disputed online through Equifax website. Today I received a notice about my dispute that the account has not been removed from my credit report. 

The credit reporting agency didn't responsibly investigate the account. Later I know that this account was opened by a person who has a similar name with me in the same apartment building. However, he has a different apartment number as me. Equifax mistakenly matched his data with mine. Equifax 's investigation didn't find this and its system still mixed my file with the other 's.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on ATTORNEY GENERAL-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Complaint sub-issue: Received bad information about your loan

Fed Loan Servicing has the incorrect amount of on time payments made to the Public Service Forgiveness Plan. There was a different loan servicer before them, and when they went to go back to certify my payments they are coming up with a much smaller number of payments that I have made. Despite the fact that previous loan servicing agencies already verified this information. In fact, I have been waiting 6 months to hear some response on my complaint to them. Every time I call they say they are still waiting to hear from various lenders. I should be right around 110 on time payments on both loans. They are so off that they have different amount of months of on time payments, for the two different loans. The problem is that I make one payment each month and it is split between the two loans, So, the two loans should not have different amounts of months of on time payments. Everything was accurate, until Fed loan servicing came in and and started reverifying payments. The expectation is that they go off of the amount of on time loan payments originally reported to them when they first got the loans. These other loan servicing agencies have no reason to lie about payments, and therefore what they originally gave to Fed Loan Servicing should be honored. They are asking some of these loan servicing companies to go back almost 10 years, and I don't think the records are there to support them going back that far. The bottom line is that the number of on time payments should be honored by Fed Loan servicing..
Complaint sub-issue: Account status incorrect

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

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