Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

My XXXX XXXX XXXX XXXX Account was removed from reporting on my Equifax back in XXXX of 2021 for not reason. Although it was removed from Equifax and they refuse to provide a reason as to why, the only way the Equifax will restore reporting of the XXXX XXXX XXXX Account is to have XXXX  send them a reinsertion letter and updating the account information. I have tried for several months to get XXXX to do this yet the keep giving me the run around and repeatedly tell me that since Equifax removed the account, it's Equifax 's problem. This of course is not true since Equifax is telling me that the only way they'll start reporting the XXXXXXXX XXXX  XXXX XXXX account again is if XXXX submits a reinsertion letter. For nearly a year XXXX and Equifax has blamed the other for the account not reporting on my Equifax Credit Profile.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After several attempts of trying to solve this problem with Equifax they are still reporting negative information to my credit report they are reporting inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which are all false and inaccurate I called them and talk to a rep named XXXX employee number XXXX He was a rude and nasty After I told him I already sent the documents over 45 days ago and that they are requesting Equifax they lost the documents that I sent over and is not complying with the FCRA guidelines which gives you 30 days to respond or it must be deleted
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Equifax. Equifax responded by deleting 3 of the 4 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
Complaint sub-issue: Other problem getting your report or credit score

I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Complaint sub-issue: Was not notified of investigation status or results

It was deemed by Equifax there was no proof validating ownership with a signed contract owing XXXX XXXX XXXX account # XXXX in regards to this account on my profile. Therefore, it was removed. 

Then 5 days ago on the XX/XX/23 it was added back on to my credit profile. 

However, I WAS NOT notified in writing within 5 business days per FCRA guidelines of the reinsertion of this account.
Complaint sub-issue: Information belongs to someone else

Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on my credit report
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Investigation took more than 30 days

Equifax refuse to dispute acct from XXXX XXXX XXXX ending in XXXX plus last 3 disputes took over 30 days with no reply from them. they also reuse to contact XXXX XXXX XXXX to correct error on acctt ending in XXXX i have talked to XXXX XXXX XXXX 5 times and they have confirmed they have contacted equifax to correct this but equifax refuse to correct data
Complaint sub-issue: Credit inquiries on your report that you don't recognize

An unauthorized credit inquiry was posted to my report from XXXX between the dates orXX/XX/XXXX - XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.
Complaint sub-issue: Didn't receive notice of right to dispute

This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Complaint sub-issue: Account status incorrect

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Case #   XXXX  The following is a rebuttal to  LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB   XXXX   XXXX   XXXX    Case  #  XXXX  Dea r Manager, Thank you for your prompt response. Unfortunately,   XXXX   XXXX   and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts :  1. That ou r property at   XXXX   XXXX   XXXX  ,  XXXX , MD   XXXX   was a rental property. The renter had a separate  XXXX  account. However, when the renter moved out and much later the bank foreclosed on the property  XXXX  decided to purge that account and outstanding balance was merged into our current account on  XXXX   XXXX   XXXX ,  XXXX  MD  XXXX   ( p resent home ). {$910.00} was merged with latter account exactly on  XX/XX/XXXX  ( account history enclosed ).    2.  So when  XXXX  makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property (  XXXX   XXXX   XXXX   ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current.    3.  That  XXXX  fails to ask requisite questions on  XXXX  and blindly ascertains that  XXXX  bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for  XXXX  when the account history referred in para  XXXX  above highlights the falsehood.    4.   XXXX  without first getting hold of itemized statement from  XXXX  unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and  discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy  to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness.   From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and  LJRA is no exception.    Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards.     Most respectfully,   XXXX   XXXX
Complaint sub-issue: Public record

I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..
Complaint sub-issue: Problem with personal statement of dispute

Around XX/XX/2014, an unauthorized transaction was made using my Macy 's credit card without my knowledge. Because I was not aware of the occurrence of that transaction, I was under the impression that card balance was {$0.00} and didn't make the payment at the end of billing cycle. After few months this resulted in a charge off. I only realized this when I got the call from collection agency to which credit card company deferred. 
Since 2014, I requested the credit card company many times to consider that transaction as fraudulent transaction and remove the charge off from my credit report. I also paid off the full balance - original transaction amount + interest to the collection agency. Credit card company is refusing the consider the transaction as fraudulent transaction and remove the charge off from credit report. 
My credit score is negatively impacted because of charge off. It is very unfair that credit card company is not accepting a fraud transaction as fraud transaction and unwilling to remove charge off from the credit report.
Complaint sub-issue: Account information incorrect

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX  : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

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.
Complaint sub-issue: Account information incorrect

I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # 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
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae has repeatedly called ( telephone ) cosigner to student loan. All payments are current or ahead of schedule. I believe the calls constitute harassment as they frequently interrupt the cosigner at his job. Sallie Mae simply calls and hangs up without leaving a message. There has been no effort on their part to inform us of any issue.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account XXXX : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

XXXX following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young  daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX XXXX  unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as XXXX State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX IS VIOLATING MY PRIVACY WITH INQUIRY.
Complaint sub-issue: Investigation took more than 30 days

I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.
Complaint sub-issue: Received bad information about your loan

I called and spoke with a Nelnet representative on XX/XX/2022 regarding my student loan. I was confused when I logged in and saw that my loans showed a XXXX balance with Nelnet showing that they received a payment on XX/XX/2022. I called Nelnet to inquire about the status of my loans and was informed by the representative XXXX that my loans had been paid in full and forgiven under the PSLF. I inquires and ask her multiple times to be certain since I informed her that I thought my loans were being transferred to XXXX. I repeated several times, are you sure? I couldn't believe what I was hearing and started to cry. She assured me that my loans indeed had been forgiven, and that was factual. She said she was sure. When I got off the phone, I called my mom and family to inform them of the update. I decided to call back on XX/XX/2022 to check again. When I inquired this time, a representative told me that my loan had not been forgiven but paid off and transferred to XXXX. I was devastated. I ask to speak with a supervisor and was informed that a complaint was being filed against the representative to be corrected. The defamation and willful injury my family and I have experienced are tremendous -To find out my loans have not been forgiven through Public Service Loan Forgiveness was emotionally and mentally devastating. The representative told me I had nothing to worry about my loans were no longer I now had financial relief.