Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

To make a very long story short, I applied for the XXXX XXXX XXXX XXXX program back in early XXXX. I waited nearly 6 months before I heard back from them and when I did, I was told that I had XXXX more years of payments to make when I should have only had another year. I asked them to review their info and in XXXX of XXXX, I heard from them and nothing had changed ( they had my consolidation date incorrect and they said that whole years that I was making payments didn't qualify even though I have always been on the XXXX plan and have never changed ). In XXXX of XXXX, I submitted the documentation ( XXXX pieces of paper ) that showed that their info was incorrect. I called back in XXXX to see if there was any change. I was told to call back in XXXX. I just called today, XX/XX/XXXX, and I was told that they were really backed up and that it might take until the SPRING OF XXXX before a decision is made. Meanwhile, I will be making payments that I should not have to make since my loans should be forgiven in XXXX of XXXX.
Complaint sub-issue: Problem with personal statement of dispute

I just need my credit report clear of old accounts I was XXXX. And I'm trying to get on my feet again. Please help me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to them.
Complaint sub-issue: Reporting company used your report improperly

During the period of XX/XX/XXXX through XXXX 2017, Equifax allowed consumer data to be compromised and accessed by unauthorized parties. Due to the security breach, my social security number and other personal financial information have potentially been proliferated into the possession of scammers and criminals. A company whose business is to keep record of your financial history has a duty to safeguard that information on behalf of the persons from whom it is collected. Equifax failed in their responsibility, inevitably causing material financial harm to those effected.
Complaint sub-issue: Information belongs to someone else

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.
Complaint sub-issue: Information belongs to someone else

LexisNexis is reporting inaccurate and unverified information in several of their consumer reports associated with my social security number.
Complaint sub-issue: Account information incorrect

this credit card was paid in full reporting incorrect balance and lattes please remove this from my credit file with all credit bureaus.
Complaint sub-issue: Information belongs to someone else

There are currently numerous accounts and addresses listed on my credit report that I have no knowledge of and that are NOT related to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a collection account on my record. I am victim of identity theft and I sent Equifax a copy of police report. They requested additional information to verify my identity and it was sent. They have not removed the collection.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and Equafax is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. 

I want XXXX, XXXX, and Equafax to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Complaint sub-issue: Account information incorrect

XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (XXXX XXXX XXXX XXXX XXXX Account Ending In XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported by Equifax in the file that you maintain under my Social Security Number. Upon reviewing my credit report, I see an entry listing account charged off. I challenge the accuracy, compliance, and report ability of this listing. Please validate this information with (XXXX XXXX XXXX XXXX XXXX   Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX  per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount  {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} from XX/XX/XXXX to XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported  Credit limit {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ; past due amount {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; balance {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as Charge off reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported  {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Company closed your account

I was told by their agent my credit card is closed and a letter dated XX/XX/20 was sent to me to explain the reason. I never did receive the letter I called them again XX/XX/20, The agent told me the letter was not sent, I was told this time, the letter will be emailed to me within 2 business days. I did not receive it yet. 

I believe my card was cancelled due to race discrimination and they do not have a legal reason to cancel my card. 

All I want is a letter of cancellation..
Complaint sub-issue: Account status incorrect

XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Complaint sub-issue: Application denied

I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. 


XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Complaint sub-issue: Reporting company used your report improperly

I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Not given enough info to verify debt

I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Account information incorrect

My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.
Complaint sub-issue: Debt is not yours

Hello, i have no recognition of this debt collection and it has messed up my credit. I have never owned a sprint phone.i filed a dispute to my experian credit report 3 days ago. I am now on the phone with XXXX filing a identity theft report now. Please help. 

XXXX XXXX Account number XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Problem with personal statement of dispute

On the first of XXXX I sent letters to all three bureaus XXXX, Equifax, and XXXX. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. 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. Instead I was denied my request of my right to the original documentation with no resolve. The other two bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Complaint sub-issue: Account information incorrect

Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX. XXXX MN XXXX On XX/XX/2022, Jefferson Capital Systems LLC. sent me a letter for the amount of XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Complaint sub-issue: Didn't receive notice of right to dispute

I contacted this company numerous times to try and understand the debt. I have three different reports from the same company and seems to be the same debt with different amounts. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous and sick, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2022 EQUIFAX dropped MY CREDIT SCORE XXXX POINTS TURNING THE VERY ADVICE THEY LIST TO IMPROVE CREDIT AGAINST ME 1 : PAY DOWN CREDIT CARD BALANCES AND LOWER CREDIT USAGE-I PAID DOWN ALMOST {$4000.00} IN CARDS AND NOTIFIED THEM IN A DISPUTE-WHICH TOOK ALMOST A WEEK RE THE COMPLAINT WHERE THEY WERE STONEWALLING ME -AND BLOCKING MY ACCESS TO DISPUTE THE NEXT COMPLAINT AS THEY HAVE JUST DONE AGAIN TODAY XX/XX/2022 AT XXXX XXXX  eastern time PLEASE SEE A PICTURE OF THIS ACTION WHICH THEY HAVE DONE AT LEAST 10 TIMES AFTER ONE ATTEMPT AT LOGIN TO MY EQUIFAX AS A DELIBERATE AND PREMEDITATED MOVE TO DENY MY RIGHTS PER THE FAIR CREDIT BREPORTING ACT FORCING ME TO SIT ON THE PHONE FOR HOURS AND SPEAK WITH PEOPLE FROM XXXX, XXXX ETC OR WHEREVER WHO ARE DIFFICULT TO UNDERSTAND AND USE THEIR NATIONALITY TO CONTINUALLY BLOCK MY EFFORTS FOR A FAIR AND EQUITABLE DESCRIPTION OF WHAT I WISH TO DISPUTE WHICH ARE THE OBVIOUS DELIBERATE ACTIONS TO SABATAGE MY CREDIT DUE TO THE FACT I WISH TO EXERCISE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT XX/XX/2022 EQUIFAX JUST DROPPED MY CREDIT SCORE ANOTHER XXXX POINTS FOR THE SAME VAGUE REASONS THEY DROPPED IT IN XX/XX/2022 MAINLY FOR PAYING OFF THE REMAINDER OF THE XXXX ( {$25000.00} CONSUMER LOAN ) AND PAYING DOWN {$4000.00} IN CARDS, NOTE PRIOR TO PAYING ALL TJESE BILLS MY SCORE IN EARLY XXXX WAS XXXX IT IS NOW XXXX THIS IS INEXCUSABLE AND I DEMAND A FULL EXPLANATION FROM EQUIFAX.
Complaint sub-issue: Debt was result of identity theft

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Macys/DSNB in the past, but they have failed to give me a fair solution to my issue. I have a Macys/DSNB. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : $ XXXXThis company has been reporting incorrect information to the credit bureaus.

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Macys/DSNB and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to Macys/DSNB, which they ignored.
Complaint sub-issue: Investigation took more than 30 days

I am still awaiting feedback from the complaint I submitted with XXXX on my credit score. It's been over 60 days since XXXX 's initial response on this complaint filed here and I have not heard anything back, nor has anything been addressed as to why my credit score dropped XXXX points without a reason. 

There is still an ongoing problem with Great Lakes student loan servicer either not reporting my payments to XXXX, XXXX, and XXXX, or with these credit bureaus not updating the loan status on my credit reports. The loan balance has not been updated since I made a payment on XX/XX/XXXX. This is an ongoing issue. The balance on my Great Lakes loans was {$8800.00} on XX/XX/XXXX. On XX/XX/XXXX, the balance was {$8600.00} and as of today, the balance is still being reported at {$8800.00}, as of XX/XX/XXXX. As of today, the balance is {$8600.00}. 

This results in an old past due student loan from Nelnet never falling off of my credit reports, keeping my credit score from improving. The last past due/missed loan payment occurred in XX/XX/XXXX, and the Nelnet loans have been paid off since XX/XX/XXXX. 

I want these issues resolved as I am trying to restore my credit score to what is was prior to the XXXX point drop back in XXXX XXXX. 

Thank you.
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.
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Complaint sub-issue: Account status incorrect

Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.