Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Complaint sub-issue: Was not notified of investigation status or results

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX  and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/XXXX, I have been out of work with a XXXX  XXXX. I was notified by Social Security that I would no longer have to pay on student loan, due to XXXX discharge that was in process. In XX/XX/XXXX, I asked you to remove the late payment status on my credit report for XX/XX/XXXX, which you stated " we have an obligation to ensure data we furnish to consumer reporting agencies is accurate ''. In XX/XX/XXXX, I received a refund for payments posted on the account including the XX/XX/XXXX payment. Furthermore, you must remove the payment history for XX/XX/XXXX, Since I was not responsible to pay that month. I noticed several months of data were removed after you received my TPD discharge, however you decided to leave the late payments on my report. Please update XXXX, XXXX  and XXXX  to remove the payment history for XX/XX/XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

I have contacted Equifax on multiple occasions to remove inquiries on my report that were not authorized by me. The statutes are referenced in my attached letter. 

I want the inquiries removed from my credit report.
Complaint sub-issue: Account status incorrect

I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.
Complaint sub-issue: Information is incorrect

Checkr has indicted that I have no DL issued, but I do. The same DL Ive submitted when I applied for the background check and fill out their from. It is Temporary CA DL valid for XXXX days. Paper list.
Complaint sub-issue: Trouble with how payments are being handled

My account number is XXXX XXXX XXXX Fedloanservicing or Myfedloan.org is the servicer. 

I submitted my XXXX XXXX form from XXXX XXXX XXXX  XXXXXXXX signed by my then employer in XXXX. The form is signed by my employer XX/XX/XXXX. 

My form certified I worked from XX/XX/XXXX to XX/XX/XXXX. 

I made " qualifying payments '' throughout this time. For some reason XXXX payments in XXXX specifically XX/XX/XXXX-XX/XX/XXXX are not credited as qualifying payments. 
That is XXXX payments I am not given credit for despite staying with the same employer. 

I was told by the Fedloan in a XX/XX/XXXX letter that the end date was before the start date. That makes no sense. It is also not true. This is a hot mess. 

I am attaching my last submitted employer certification form that covered this time period.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My XXXX passed away in XXXX and we discovered that XXXX of his bank accounts about which we didn't know was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXX of Pennsylvania proof of me being executor. I immediately received a credit report from XXXX and spent many hours over XXXX days on the phone with XXXX who had written me that I did not provide the documents. But I had sent the documents and the third representative I spoke with did find the documents on the system and eventually a report was mailed out to me. Unfortunately, Equifax seems to have also lost the required documents I sent to them as I received a letter asking for an order from the probate court showing me as executor or a letter of testamentary. Since I've already sent these documents, I called on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me you were missing a copy of my driver 's license, which was not requested on your website at XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I pointed that out, he looked further and said they are missing the court order or letter of testamentary, which I also told him I sent. He said to send it again. I asked if I could speak with someone in that department and he said no. I object to having to send this again after I already sent it once and have now received reports from both of Equifax 's competitors. If I send the document again, I will just receive another letter saying they are missing something else.
Complaint sub-issue: Account information incorrect

In XXXX my score with Equifax was XXXX. I received some money and immediately payed off/down credit card debt. I also had a old medical debt removed due to age of debt. It is now XXXX and my score dropped to XXXX. When I tried to find out the reasoning in XXXX for my score dropping instead of rising due to the significant decrease of credit card debt, customer service at Equifax said it was due to the " formula '' they used. 

My score with XXXX XXXX is XXXX and has been in that range since paying down my debt. 

Please investigate the so-called formula that Equifax uses .
Complaint sub-issue: Investigation took more than 30 days

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX, and I am sending this request myself to address the incorrect on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX  XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was XXXX. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Complaint sub-issue: Their investigation did not fix an error on your report

When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute on XX/XX/XXXX with Equifax stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XXXX XXXX -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
Complaint sub-issue: Information is not mine

I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.
Complaint sub-issue: Other problem getting your report or credit score

I have been blocked from my credit report online. I can not get my credit report through XXXX parties. I have contacted Equifax over XXXX times in order to fix the problem and nothing has been done.
Complaint sub-issue: Account information incorrect

I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and Equifax the same information an have not received a responce Equifax was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.
Complaint sub-issue: Information is not mine

Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Complaint sub-issue: Account status incorrect

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
Complaint sub-issue: Privacy issues

I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). 
I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.
Complaint sub-issue: Personal information incorrect

I have sent Equifax several letters but I can not get them to fix their errors. Ive sent dispute letters about account errors and about my personal information they are incorrectly reporting but hey just keep verifying them. Im not really sure how they are verifying any of this information because Equifax is not even reporting my correct birth year. Equifax is reporting my birth year as XXXX but my year of birth is XXXX. I have tried numerous times to have them correct that information but they just keep verifying their information is correct? I only have one year of birth and I am pretty sure of what it is, in fact I have legal documents showing my year of birth, and I have also provided those legal documents to Equifax, multiple times. I have also reported a misspelled name Equifax has on my report as well as they are reporting numerous addresses that do not belong to me, but they continue to fail to remove those addresses. These addresses do not belong to me, are not correct and are not deliverable to me, therefor these addresses are not reportable as per the FCRA and need to be deleted. They are putting my information at risk, especially during a national pandemic when fraud had increased significantly. I am also confused how Equifax has verified the disputes I have sent when they can not even verify my correct personal information, as basic as my year of birth? Both XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Account # XXXX have been reaged to appear as newer accounts, as recent as XXXX and XXXX of XXXX when these accounts are TWO and THREE years old, respectively. Both accounts are also reporting past due balances ( when a collection account is, by default, past due ) and reporting the past due balances are in violation. ( See Attachments ) I am really confused why Equifax is reporting these accounts in such error as if they are intentionally trying to damage my credit even more and preventing me from even getting credit by failing to report MY correct information? I feel my only option is to retain a lawyer, it seems reporting my basic information should be extremely simple, especially after I have provided them with the correct information.
Complaint sub-issue: Was not notified of investigation status or results

I was never late paying on these accounts. These accounts are showing inaccurate information that damaging my reputation as a consumer.