Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

So, I filed a dispute to remove personal information that I do not want on my credit report. My dispute number is XXXX, I spoke with representative XXXX XXXX on XX/XX/XXXX. The representative assured me that my information would be removed and name would be updated. On XX/XX/XXXX I received a letter from Equifax with my name spelled incorrectly stating that I needed to send in documentation to update my name and remove this incorrect personal information. I contacted Equifax on XX/XX/XXXX and spoke with a representative who stated that XXXX XXXX did not file my dispute properly and the only way to remove and update this information would be to send in documentation. I explained to her that I did not give written permission to use my information that my name is wrong and that I want my information removed immediately. I am in the process of fixing my credit to better my life and get a home and car for my children and I after having to leave an abusive marriage and start over. So to have to deal with these clear violations of the law is just frustrating and upsetting on top of what I'm already dealing with. She filed a new dispute for deleting my name and that dispute number is XXXX. Again these are clear violations of my rights and I want this information corrected and removed immediately. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is supposed to share my information to third party people. Also, according to 15 U.S. C. 16815-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being, I have rights under XXXX XXXX XXXX. Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to XXXX XXXX XXXX : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Disputed accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXEQUIFAX ID Report XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX Report XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX Report EQUIFAX XXXX XXXXXXXX XXXX XXXXXXXX Interview System EQUIFAX XXXX XXXX Automated XXXX Interview System EQUIFAX XXXX XXXXXXXX XXXX XXXXXXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Interview System XXXX Credit Report EQUIFAX XXXX XXXX Automated XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all three credi reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXXXXXX XXXX  - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX  - {$800.00}, XXXX- {$5900.00} and XXXX XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All 3 credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please
Complaint sub-issue: Attempted to collect wrong amount

This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # XXXX
Complaint sub-issue: Account information incorrect

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXXXX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries
Complaint sub-issue: Public record information inaccurate

XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ) reported to XXXX company my criminal recorded which was Dismissed on XX/XX/2013 Case # XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove fraudulent accounts and inquiries on my report. I filed a complaint with the XXXX and they claim the information was " verified ''. Please assist.
Complaint sub-issue: Account information incorrect

I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at Equifax, XXXX, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 Equigax, XXXX, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.
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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : XXXX PUBLIC UTILITIES ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SVC ( Original Creditor XXXX XXXX XXXX ) XXXX CREDIT SVC ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX
Complaint sub-issue: Trouble with how payments are being handled

It is common knowledge that Discover Student Loans offers a .25 % interest rate reduction when a borrower signs up for automatic payments. 

I as a borrower have the right to choose these automatic payments as long as the amount remitted per month is equal to the minimum amount due per month. 

Interest on student loans is compounded daily. 

I asked if I could have the .25 % interest rate reduction by having weekly automatic payments as opposed to monthly full automatic payment and they stated that I could not as the .25 % interest rate reduction is only if you do it on a monthly level for the full amount ( Over {$600.00} in my case ) There was nothing stopping me from paying weekly, but I would still have the {$600.00} payment each month in order to qualify for the interest rate reduction. 

Paying weekly would allow me to pay the same per month AND have less interest accrue overtime on the principal balance. 

Whether or not you choose to have the payments be weekly or once a month on an automatic level SHOULD NOT bar me from gaining the benefit of the .25 % interest rate reduction on a loan with an interest rate of 13 %. 

I need this remedied. 

As Discover Student Loans has a no prepayment penalty. ALL benefits on monthly payers should apply to weekly payers.
Complaint sub-issue: Information belongs to someone else

Voss & Klein , LLC ( a collection agency ) continues to report a debt that is not mine to the credit buro 's and is causing me serious damages. They are claiming that I owe them over {$1700.00}. I have disputed several times and communicated multiple requests for validation and disputed the report. They don't stop! I ask for proof of the account belonging to me and why they believe that and I have nothing from them.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Complaint sub-issue: Investigation took more than 30 days

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, XXXX reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and Experian responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX BANK ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX  MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) FIRST  XXXX  ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX FIRST  XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a complaint along with a copy of an Identity Theft Report ( see attached ) on 2 different occasions and you have refused to remove or block the fraudulent information from my credit file. The items are XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Per the Federal Credit Reporting Act 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You are breaking Federal Law. This is my last attempt to rectify this issue and if not my next course of action is to file a lawsuit against Equifax for damages.
Complaint sub-issue: Account information incorrect

In XXXX, my husband and I were applying for a home loan. I told the lady looking into it that my credit was already ran for a hard inquiry for XXXX   and she explained to me that it would not show up on my credit as a hard inquiry but it did and I would like to know what I need to do in order to remove this from my credit report. You will see two inquires as hard on XX/XX/XXXX. If I would have known that it would in fact show up as hard, I would have not let her run it because I already let XXXX run it and knew what I was working with.Both these items will be off my credit report on XX/XX/XXXX. But I would like to take care of this one earlier by credco if possible. 

Thanks!
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, XXXX, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell Equifax it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a truck driver and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.
Complaint sub-issue: Information belongs to someone else

I have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Investigation took more than 30 days

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Complaint sub-issue: Trouble with how payments are being handled

Recently, all of my remaining student loans went into FORBEARANCE, which I did NOT request. I am totally aware this is due to the current COVID-19 situation, and I appreciate that this is helping those who are struggling ; however, I am actually quite fortunate right now *knocks on wood* and would much rather continue to pay. 

The 0 % interest rate is great though ; I am certainly not complaining about that. 

I contacted MyFedLoan, and they said they would fix it, but that has not happened. 

1. I certainly do NOT want FORBEARANCE mentioned on any of my credit reports ; being my FICO score is 830+, it would make me look risky as if I could not afford my {$200.00} ish payment, which is not a problem for me whatsoever. 

2. The loans without forbearance with regular on-time payments are scheduled to be paid in-full by me at or about the end of XXXX, and with FORBEARANCE this will either extend them into XXXX or make a lump-sum due neither of which I really desire. 

Background information : I am nine ( 9 ) years into re-payment having never been late and never missed a payment. I actually have enough to pay all 5 of the loans off in-full, but I would rather keep paying as I was paying before COVID-19.

I DO want to keep the 0 % though.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.