Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.
Complaint sub-issue: Problem lowering your monthly payments

I was mistakenly informed on a number of occasions that my IDR would be backdated to have no out of pocket costs to me and I would not have to use my general forbearance time. Then I was erroneously told I would have an administrative forbearance. I agreed to use my general forbearance time because I really was given no choice in the matter, but was told I would use a MAX of 90 days with the rest being covered by a delinquency forbearance. I received correspondence dated XX/XX/2019 re my forbearance request approval, and it states XXXX, an extra 31 days of my forbearance time I was told I would not have to use any of. I have filed three internal complaints that I have been informed have no way of being tracked or shown their effectiveness.
Complaint sub-issue: Reporting company used your report improperly

I have no knowledge nor did I give consent to obtain my report for XXXX and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, and EQUIFAX continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I hired Greenpath Financial to make monthly payments to all my ceditors and in XXXX of 2017 I was sent a notice form XXXX XXXX that I was late 30 days. I called Greenpath and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To Greenpath each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
Complaint sub-issue: Information is not mine

Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have the wrong amount reported on one of my accounts and one account that is not mine and one account that I was never late on
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.
Complaint sub-issue: Account status incorrect

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Information belongs to someone else

one XXXX account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. Part of their investigation involves them forwarding the dispute to the company. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of this debt/ account I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. This specific account I am disputing has been deleted by the original creditor after investigating a dispute, and has made it to the collections section of my credit report which is heavily damaging my credit score. This company has failed me as a consumer by not complying with my consumer rights by continuously reporting unidentified and unverified information.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 .This 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I co signed for my daughter at XXXX XXXX and Now I have unauthorized inquiries
Complaint sub-issue: Account terms

Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ). 

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/
Complaint sub-issue: Account information incorrect

I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through OSCAR system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Complaint sub-issue: Received bad information about your loan

On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. 

GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. 

In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent out debt validation letters to EQUIFAX, XXXX, XXXX XXXX and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. Equifax, XXXX and XXXX   uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Hi, I had an outstanding debt after switching phone companies which ended up in collections through AFNI. Since I was making payments, I did so through XXXX internal collections, and finished paying by XX/XX/2017. The debt still shows a balance of {$570.00} as an open collection, and is affecting my credit score as they have not closed the account almost a year later. I figured all of this was taken care of, but is now a delinquent account on my credit. 

AFNI - opened XX/XX/2017, {$550.00} Original creditor - XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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: Application denied

I applied for the Citi XXXX credit card on XX/XX/2021, and they declined me for this credit card within 30 seconds. My credit scores are between 712 and 730. I am a very responsible credit user and always keep my utilizations below 10 %. I do not have any late payments and I do not have any bankruptcies or derogatory marks or anything negative at all on my credit card. I have an income and feel that I should have been approved for this credit card. I now have a hard inquiry on my credit report.
Complaint sub-issue: Received bad information about my loan

I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, Equifax, XXXX, and XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

i recently had a credit card closed for unknown reason and was investigating the credit report. because of the security problems of Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Complaint sub-issue: Debt is not yours

Oxygen Recovery Group is attempting to collect a debt that is not owed. The original creditor is XXXX XXXX, XXXX. They said the collection is for an early termination fee of {$990.00} plus fees. I never had a contract with them, so there is no way I terminated a contract early. I have asked for ( and not received ) written proof of this contract. They also said this occurred in XX/XX/XXXX, but the first Ive heard of it or received any information regarding it is the collection on my credit report as of XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have a number of inquries on my credit report that i did not authorize at all, i have not been in need of a car, nor credit card nor anything else for that matter im not sure how these things keep poppong up but it is really bad, i have never had XXXX and it shows on my credit report i really need help