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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Account information incorrect

Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!
Complaint sub-issue: Didn't receive enough information to verify debt

I HAD A DEBT WITH XXXX AND IT WAS PAID, UPON PAYING XXXX I WAS NEVER ADVISE THAT THEY SENT IT OUT TO A COLLECTION AGENCY, SO PAYING XXXX AND I THOUGHT THE DEBT WAS SETTLED, I GET A MORTGAGE LENDER TO PULL MY CREDIT AND XXXX XXXX XXXX IS ON MY REPORT WITH THE SAME AMOUNT OF DEBT I PAID XXXX, I CALLED XXXX AND ASK THEM WHY THEY ARE REPORTING ON MY CREDIT AND WHY I WAS NEVER NOTIFIED BY THEM OF THE DEBT, THE TYPICAL RESPONSE IS THEY SENT OUT THE NOTICE I NEVER RECIEVED, I DIDNT HAVE A CONTRACT WITH XXXX XXXX XXXX NOR WAS I INFORMED BY NEITHER PARTIES, XXXX ARE XXXX XXXX XXXX THAT IT WAS IN THE HANDS OF THE COLLECTION AGENCY
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX is improperly reporting my XXXX XXXX cards, they are not reporting them at all on my report therefore my credit score is wrong with them. I contacted XXXX XXXX and they ensured me they report to Equifax, therefore my credit score, amount of available credit and total credit cards reported by Equifax is WRONG.
Complaint sub-issue: Attempted to collect wrong amount

Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get XXXX.
Complaint sub-issue: Other problem

Someone has accessed my information on all of my credit cards. Then made large payments that were returned. I have told all companies repeatedly that I use 1 bank and only 1 bank. Several charges were in other states, debit cards obtained, loan applications and many other things.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX U.S.C 1681 section 602 A. States 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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: Information is missing that should be on the report

Equifax Information Services LLC on XX/XX/2019 mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I do not live there. Do not own, rent, or have a mortgage at or at that address. Equifax has my name or some one else at this address. I have uploaded the letter on XX/XX/2019and Equifax Information Services LLC. My name is not Spell right and this person on the letter XXXX XXXX is not me nor my address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXEquifax Name on Letter XX/XX/19 XXXX XXXX is not me nor my name. It also seems Equifax likes to play a lot of games with there error..Stop sending mail that's not me to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX unless you have documented proof to provide of the said address.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( two accounts ), XXXX XXXX XXXX ( XXXX XXXX  ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.
Complaint sub-issue: Old information reappears or never goes away

I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is in violation of FCRA inaccurate reporting. XXXX had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted XXXX a total of 10 times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of 6 late payments my credit score has been impacted each time because of this I went from a XXXX credit score to a XXXX because of XXXX I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hello on XX/XX/XXXX Equifax reinserted an account back onto my credit report. I received absolutely no documentation from the dispute I submitted to Equifax for this account, not only is that an issue, but the fact that this account was reinserted onto my credit report and I received not document telling me why is a violation of my rights. 15 U.S.C section 1681i ( B ) ( i ) ( ii ) Requirements relating to reinsertion of previously deleted material, Equifax has failed to follow by the law set forth for me as a consumer.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.
Complaint sub-issue: Personal information incorrect

I am viewing inaccurate name variations, date of births, also accounts are not complete and reported fairly across boards.
Complaint sub-issue: Problem with personal statement of dispute

Theyre showing my account is closed with late payments
Complaint sub-issue: Information belongs to someone else

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Complaint sub-issue: Information belongs to someone else

I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! 

I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I am enrolled in the PSLF program through IBR. I had to refinance my loans with XXXX XXXX to enroll in PSLF, which charges high interest but I was hoping would be worth it. I have moved and taken dramatic changes in salary, as has my spouse. XXXX XXXX has not provided with me information to make sustainable payments according to my income bracket, and I can not afford to pay at all. They have been unresponsive to contact, and I have been forced to defer payments for the last 10 months waiting for them. They seem to lose my documentation or keep telling me to resubmit it again and again, although I have many times. All the while, they charge me the interest and it accrues while waiting for them. I am not sure how anyone can afford to get a Masters degree at all. PSLF was the only hope I had.
Complaint sub-issue: Reporting company used your report improperly

According to the Equifax website set up for the express purpose of confirming whether or not individuals in their databases had their information compromised in the recent large scale data breach, I am one of the affected individuals. Considering the magnitude of the breach, as well as the sheer breadth of the information I now know is compromised, I feel that this was a blatant disregard for the sanctity and security of my personal information by a company that should have had appropriate safeguards in place to prevent such an occurrence.
Complaint sub-issue: Investigation took too long

Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.
Complaint sub-issue: Account status incorrect

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Complaint sub-issue: Information belongs to someone else

This company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX  and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.
Complaint sub-issue: Information is not mine

Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Account terms

Equifax is currently reporting a released tax lien. The information that is being reported is not correct. This information has a date being reported as XXXX/XXXX/0001. This is not a valid date and under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.
Complaint sub-issue: Debt is not yours

About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Complaint sub-issue: Didn't receive advertised or promotional terms

I been a best buy Citi card customer for around five years now. In such time, I am yet to make a single payment late nor used any amount past the account available balance. In any case, a little over a year ago I made use of my best buy Citi card and an interest-free promotional period. The special at the time offered purchases above a certain amount interest-free for a period of one year. To be clear at no point in time was there mention of the promotion being deferred or the interest having to be charged back to the principal at the end of the promotional period. However, that is exactly what best buy Citi card resorted to. Upon termination of the promotional period, interest was charged back to the account, which lead to an increase in balance of over {$460.00}. Subsequently, the balance was reported to all major credit reporting agencies, and the added interest began to accumulate interest of their own. Needless to say, The increase in balance also leads to an increase in minimum payment and of course higher interest accrued monthly. I personally contacted best buy Citi card on the subject via phone and e-mail and every case their position has been to stand by such practice and refuse to honor their promotion and to refund such overcharges to my account.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, XXXX, and Equifax about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.