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

I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by Equifax, XXXX  and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX  XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections.  This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.
Complaint sub-issue: Need information about your loan balance or loan terms

On XXXX, I submitted the attached/uploaded 21 page packet to FedLoan Servicing XXXX I sent packets to the XXXX 's noted at the bottom of the letter ( Office of Consumer Advocacy and US Department of Education ). I had requested information from FedLoan Servicing regarding the omission of my service/employment with XXXX XXXX XXXX not only in the letter dated XXXX, but in numerous emails and phone calls dating back two months prior. I have received no response, explanation or resolution. I am submitting this 21 page packet again as part of a complaint, along with payment history. I feel that with the consideration of my employment with XXXX XXXX XXXX, I met the eligibility criteria for loan forgiveness as of XX/XX/2017 and am eligible for a refund of the payments that I have made since that time. Please advise on how I may be able to have this error corrected. 

I have submitted this complaint to Federal Student Aid on two occasions. Each time, the case is closed with no further explanation. I have contacted the Ombudsman and received no feedback there.
Complaint sub-issue: Account status incorrect

There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Didn't receive notice of right to dispute

Mendelson Law Firm did not inform me that I could dispute the debt and threatened to garnish my wages on a debt that had passed the statute of limitations. I did not receive any notice until, the notice stating that a judgement against me had been made and I did not want them to garnish my wages, and agreed to make payments. I have made five payments on the debt, but the debt amount is not showing a decrease and I am not receiving statements with new amount owed. 

Also, the company bought the debt for much less than they are charging me, yet they are charging me the original amount plus fees. They paid less than {$1500.00} for the debt. They are charging me over {$5000.00} which should not be legal. 

I have made payments every month since the agreement. They agreed on XXXX per month, but I have been paying {$50.00} every month.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Problem with personal statement of dispute

on XX/XX/2022 at approximately XXXX I contacted Equifax and asked them why my credit report on their site Equifax 's own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in Equifax 's credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free equifax report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Fake US DEPARTMENT OF EDUCATION REPORTING ON EQUIFAX ACCOUNT - I believe equifax is in on it. 
Ive called the US DEPARTMENT OF EDUCATION AND PROVIDED MY NAME, DOB, and social security number and I dont have an account with them nor have I ever applied with them they cant send me a letter nor a fax stating that because I dont exist to the us department of education
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost XXXX days and I have not received a response. I understand that XXXX has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with fair reporting act conversion accounts : XXXX. XXXX XXXX XX/XX/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 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 15 USC 1681 SEC 602 A - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC ( 2 ) CONSUMER REPORTING AGENCY CAN NOT REPORT AN ACCOUNTS WITHOUT MY WRITTEN INSTRUCTION A CONSUMER
Complaint sub-issue: Information belongs to someone else

XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )
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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX 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: Their investigation did not fix an error on your report

The CFPB response of XX/XX/20 on complaint # XXXX submitted XX/XX/20 indicates that Equifax does not recognize me as their customer or their customer 's authorized representative. This statement is false. The Company ( Equifax ) sent my credit report ( Confirmation Number # XXXX ) on XX/XX/20. The company 's class action settlement amount for failure to prevent a breach of my personal information has yet to be provided. With the evidence submitted in my XX/XX/20 complaint regarding the settlement amount and CFPB 's inaction in following through verifying that evidence, it would appear that any complaint through CFPB is of little value. If CFPB is charged with protecting the consumer 's financial information, the actions in this case contradicts their mission by only acting as a clearing house to any type of consumer complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??
Complaint sub-issue: Deposits and withdrawals

This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX.
Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of.
As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint.
My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal.
Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees.
Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern.
The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held.
US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension.
The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd.
In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level.
Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious!
Complaint sub-issue: Account status incorrect

Requesting Equifax, XXXX XXXX, and XXXX to stop reporting incorrect information on my credt report!
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with statement of dispute

Debt not accurately verified. No contract or signature for the following collection account : XXXX
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I filed a dispute for XXXX for not receiving my refund for XXXX and for XXXX from the XXXX XXXX XXXX atm withdrawal not receiving my refund or cash withdrawal and Im not getting any help from the dispute department
Complaint sub-issue: Information belongs to someone else

A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report
Complaint sub-issue: Account information incorrect

I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Institution : Citibank , N.A . 
Issue : Failure to Honor Extended Warranty Advertised Details : Initiated claim for protections under the Costco Anywhere Visa by Citi. Warranty coverage advertised at two ( 2 ) years from Costco plus an additional two ( 2 ) years from Citi for a total of four ( 4 ) years of warranty coverage. Citi requested five ( 5 ) documents to process the claim : ( 1 ) Itemized Store Receipt ( 2 ) Copy of Manufacturers Warranty ( 3 ) Repair Estimate ( 4 ) Photos of Item ( 5 ) Copy of Extended Service Plan All documents were provided. After several weeks, Citi requested an additional repair estimate, which was also provided. Several weeks later, well over a month from the initial claim, Citi further requested : ( 1 ) Please provide the billing statement showing the purchase of the item As this is a claim for an item purchases 3 years ago, Citi does keep those records readily available and must be requested separately. Thus, I would need to request the statements from Citi to provide back to Citi to process the warranty coverage, all for an item which is covered by the advertised warranty. It is also important to note that this most recent requested item was not requested from Citi initially over a month ago and should not be the consumer 's burden to provide as this is all data that is owned and accessible by Citi. The obstacles Citi has put in place are excessively burdensome to successfully process an extended warranty claim and does not align with their advertised extended warranty coverage.
Complaint sub-issue: Information belongs to someone else

Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.