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

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 U.S.C 1681 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 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of convictions of crimes which anedates the report by more than seven years.

15 U.S.C 1681s 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.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Reporting company used your report improperly

Between mid XX/XX/XXXX and XX/XX/XXXX, Equifax experienced a data breach, and my financial information was, likely, divulged without my consent.
Complaint sub-issue: Account status incorrect

Below please find a copy of the complaint I sent to the three credit bureaus. 

I am writing to dispute the following information in my file. In XXXX of XXXX, my student loan company XXXX XXXX XXXX XXXX hereinafter ( XXXX XXXX either intentionally, recklessly, or negligently reported all my loan statues as 90 days late in the middle of the pandemic. 
XXXX  report that my loans were 90 days late is inaccurate for several reasons. First, simply look at my credit report, in XXXX of XXXX XXXX reported all my accounts as current, how is it possible for me to be 90 days late only one month later. The only notice I had that I was late was when I received the notice from XXXX XXXX My Credit drooped over 100 points, I was furious. I contacted XXXX and their holding message said, I didnt need to do anything during the pandemic. When I finally spoke to someone, they informed.me that I was 90 days late. I told them how is that possible when they just last month reported me on time, and they could not answer. When I asked why no one had ever contacted me via phone or email, I discovered that they had the incorrect phone number and email address. I have had the same phone number for 21 years and the same email address for the last 5. Furthermore, my contact information was sufficient for the previous owner of the loan to contact me via email and via phone. If there was any error with my contact information it is because of XXXX intentional, reckless, or negligent acts. When I contacted XXXX and made them aware I could not make the monthly payment they immediately made my loan current without even providing them with a payment and instructed me to file for a repayment plan with the government. After filing my paperwork with the government, I was given payment terms of XXXX $ for a year starting in approximately XXXX of XXXX. XXXX is the one to blame for my being reported 90 days late I did nothing wrong. Had they simply contacted me like the last owner of the loan did the loan would never have been reported 90 days late. Because of XXXX action I lost out on a car loan and an apartment. 
I am requesting that the loan status for all XXXX loans in XXXX of XXXX be changed to current and the designation of 90 lay payment status be IMMEDIATELY removed to correct the information. 
Please investigate this matter and correct the disputed items IMMEDIATELY. Please also be aware a copy of this letter is being sent as a complaint to the consumer financial protection bureau and I will be contacting an Attorney and pursuing legal action against both you and XXXX. You company is negligent for allowing an account to be reported 90 days late before it has first been reported 60 and 30 days late. Your negligence is as much to blame in the falsities on my credit report as XXXX. Your company has a duty to report my credit accurately and you breached that duty ny allowing my account to be listed as 90 days late before first being listed as 30 and 60 days late.
Complaint sub-issue: Debt is not mine

The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am currently having issues with credit reporting companies reporting on my credit. Ive already filed complaints as well as disputes for several accounts Showing inaccuracies on my report. It has been well over 60 days and I have yet to seen any other disputes corrected on my credit report. I have also went ahead and filed a police report regarding the identity theft that has happened on my credit I will be attaching those files as well as the disputes sent in to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.
Complaint sub-issue: Debt was result of identity theft

DEBT WAS NEVER MY DEBT I NEVER APPLIED FOR THIS ACCOUNT
Complaint sub-issue: Problem with customer service

On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.
Complaint sub-issue: Trouble with how payments are being handled

I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.
Complaint sub-issue: Personal information incorrect

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, NC XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = Citibank NA XXXX XXXX = XXXX XXXX XXXX Citibank NA XXXX XXXX = XXXX. XXXX XXXX Citibank NA 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
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Public record information inaccurate

US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank keeps decreasing my credit limits on all my cards which is impacting my credit ratio because I make payments and they decrease my limit to whatever my balance is which is showing that my credit is being used at 98 % ratio. I have not missed a payment or in collection with any company and I understand that a review could be completed every year or every few months but not ever single month to discuss my payment. I always receive mail from Citibank to do a balance transfer how would I be able to do a balance transfer even if I wanted to if Citibank keeps decreasing my limit. What they are doing is unethical and seems like Im getting profiled by Citibank. Please help
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EQUIFAX STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Complaint sub-issue: Information belongs to someone else

I have submitted multiple FTC reports and Equifax has failed to act on each one. I have attached another one to this complaint.
Complaint sub-issue: Public record information inaccurate

Consumer has disputed inaccurate information reporting to 2 of the 3 major credit bureaus on behalf of the company LexisNexis Risk Solutions. As well as going directly to them in efforts to dispute the false and inaccurate information as well. LexisNexis has offered on more than one occasion an automated invalid timely response to consumers disputes. Responding outside of the 30 day window given and not updating each consumer report with marking the item in question as disputed. Consumer has sent certified letters on multiple occasions outlining a detailed response from this company, as well as placed a security freeze multiple times on consumers report to block any future inquiries on the inaccurate report. neither has been honored and in result consumer has suffered major financial injury loss and defamation to his name. Consumer has even reached out directly to the US District Northern Bankruptcy court and they've confirmed they furnish NO INFORMATION what so ever to any credit bureau or data mining company such as LexisNexis ( See attachments ) All the detailed evidence I have supports my claim of this inaccurate reporting.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.
Complaint sub-issue: Account status incorrect

Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.
Complaint sub-issue: Threatened or suggested your credit would be damaged

on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the Equifax data breach and may have been compromised as a result.