Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
Complaint sub-issue: Information belongs to someone else

Today XX/XX/19 I was made aware of two accounts on my credit report that do not belong to me. The account names are XXXX  XXXX XXXX and XXXX. Neither of those accounts belongs to me. I did not open them and I never gave anyone permission to open an account in my name. I am still trying to figure out who is responsible for stealing my personal information to open these accounts but for now, I have filed a police report. I never made any payments or purchases related to these accounts nor did I ever gain anything as a result of those accounts that were opened in my name. I am willing to work with law enforcement to get this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax and let them know that I have been a victim of identity theft which they deleted two accounts but left two accounts untouched. Please delete the remaining things from my report.
Complaint sub-issue: Not given enough info to verify debt

After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?
Complaint sub-issue: Old information reappears or never goes away

The XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. 
Have more than XXXX  years of this account was closed and still appears in my credit report of Equifax
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( these is an open account but reporting inaccurate so remove please )
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt. How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX  to not contact me! 
XXXX XXXX  committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still XXXX just posted this debt. that is how XXXX knew/found out XXXX had current info yet failed to contact me and EQUIFAX allowed this by just posting this dam debt too ect ... 

Throughout my investigation this debt was under XXXX XXXX XXXX who I rented from back in XXXX. Never paid late! I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO. 
I have filed formal complaint against EQUIFAX credit bureaus with anti-trust department in Washington DC and its XXXX because EQUIFAX also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from equifax credit reports and an apology letter sent to me asap! 
Both EQUIFAX and this company XXXX XXXX also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these parties EQUIFAX and or XXXX XXXX XXXX FAILED to notified me as a consumer to grant me any option to settle this debt.
Complaint sub-issue: Account status incorrect

in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.
Complaint sub-issue: Information belongs to someone else

XXXX Fraudulent activity on my credit report {$1500.00} Reported balance
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Complaint sub-issue: Account status incorrect

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$1400.00} Opened XXXX XXXX, XXXX XXXX  Balance {$3.00} Opened XXXX. XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted XXXX at XXXX pm on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Personal information

I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$7300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}
Complaint sub-issue: Didn't receive services that were advertised

Good Morning, In regards to the Equifax promised TrustedID Premier credit monitoring & free credit report freezing. 

Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. 

Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 

Please help consumers protect their credit and make Equifax follow through on their promises.
Complaint sub-issue: Debt is not yours

The XXXX XXXX was paying for the XXXX  and they deleted the XXXX  before I could complete it. Now I am being charged for a course they no longer have. The pays for XXXX  % percent of my XXXX.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/XXXX I sent a check in the amount of {$5400.00} to Key Bank to pay off me car loan and to send me my title forthwith. Attached was a note explaining the purpose of the check together with my name, phone number. address and account number.It was sent priority mail.Address was provided by a Key Bank employee. 
XX/XX/XXXX I checked my checking account and saw that the check was cashed by Key Bank on XX/XX/XXXX. 
XX/XX/XXXX I called Key Bank to ask what the holdup was. I was told that they never rec 'd the check and I needed to send proof that they cashed the check. I faxed a copy of the cashed check ( front and back ) to a Fax Number provided by a Key Bank employee.When I called to verify that the info was received.They couldn't find it and told me I was given the wrong Fax #. I was given a different Fax #. I sent it again. I was unable, via various phone calls, to verify the receipt until XX/XX/XXXX when I was told I needed to send in a copy of the Bill of Sale.I faxed it the same day. 
XX/XX/XXXX I received a call from a supervisor ( XXXX ) that a " refund check was mailed to me on XX/XX/XXXX in the amount of {$5400.00}. Which I never received and I told her so No action was taken by the Bank even though they had all the information to apply the payment to my account.She told me that I am required to sign an indemnity agreement to hold the Bank harmless in order to apply money to my account.and she would e-mail it to me. 
XX/XX/XXXX I received the " refund check '' which was postmarked the XX/XX/XXXX!!! 
I contacted an attorney who advised me not to sign the agreement. 
XX/XX/XXXX we called the supervisor to request to be able to talk to her Boss.After extensive discussion back and forth we were connected to XXXX ( Executive Branch - admin. asst ). He did not help other than he promised to research the issue and contact us within 24-48 hours. 
On the same day I received threatening calls from Key Bank - That I was behind in my payment and need to send in money. I received several calls. 
XX/XX/XXXX I received a call from XXXX XXXX who stated she was the case manager and she needed more time to research the issue. 
Additional notes : This process has dragged on for a month without any results whatsoever, It is very stressful and frustrating. This issue is slandering my credit rating and impacting my health due to the extreme incompetency of the Bank employees.
Complaint sub-issue: Account information incorrect

XXXX ( card services ) was placed XXXX hard inquires on my credit report for one credit  application. XXXX inquiry was made on XX/XX/XXXX and the XXXX XXXX was made five days later on XX/XX/XXXX. XXXX was not authorized to run my credit twice within a five day period for a single application. I would like XXXX or XXXX inquiries deleted from all three credit files.
Complaint sub-issue: Personal information incorrect

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the Equifax data breach. 

This is corrupted process that XXXX XXXX & Equifax has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX