Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )
Complaint sub-issue: Account status incorrect

As of XX/XX/2020 my XXXX XXXX XXXX  and XXXX XXXX report shows a increase of XXXX just added to my report through Ally Financial. I called Ally financial XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX  and XXXX XXXX. Ally said there are no late payments and that they will file a dispute but will take 45 business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through ally financial was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if ally said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (
Complaint sub-issue: Information belongs to someone else

I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Complaint sub-issue: Information belongs to someone else

I just received my credit report update by XXXX Report As Of XX/XX/XXXX. XXXX is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from XXXX letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. Equifax has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. XXXX, Equifax, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. XXXX, Equifax, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.
Complaint sub-issue: Account information incorrect

In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of an investigation.
Complaint sub-issue: Information belongs to someone else

Please remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX XXXXXX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX  XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education 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: Their investigation did not fix an error on your report

Have disputed XXXX XXXX XXXX  accounts With equifax they keep marking them verified after 3 days these XXXX accounts do not belong to myself. There is no way these accounts have been or can be verified that they belong to me
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a zero balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED
Complaint sub-issue: Received bad information about your loan

Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).
Complaint sub-issue: Public record information inaccurate

I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.
Complaint sub-issue: Reporting company used your report improperly

over 3 weeks ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. Cash App has repeatedly said they are awaiting for my bank to reverse the fees, my bank confirmed there's no fees to reverse. Cash App said the Cash App happened on XX/XX/XXXX I uploaded my bank statement to show I got no deposit from Cash App. In their response to my complaint they said they reached out to my bank. My bank confirmed this has not happened.. I included my bank so they can respond, to confirm these things dis not happen
Complaint sub-issue: Account information incorrect

I reached out to XXXX  and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Complaint sub-issue: Need information about your loan balance or loan terms

I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.
Complaint sub-issue: Debt was paid

This debt was paid and still reported by XXXX. I ca n't even fond aeay to contact collectir to try snd settle, even though I dont owe, I want it to go away and am willing to do whatever.. Inclufing settling!!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Complaint sub-issue: Their investigation did not fix an error on your report

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.
Complaint sub-issue: Investigation took more than 30 days

A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.
Complaint sub-issue: Transaction was not authorized

I PAID A COMPANY CALLED XXXX XXXX ON XX/XX/2016 {$1600.00} USING MY CHECKING ACCOUNT. THIS COMPANY TOOK ADVANTAGE OF ME. THEY DID NOTHING AT ALL FOR ME. I TRIED TO FILE A FRAUD WITH MY BANK AND IT WAS DENIED. THE COMPANY WON'T RESPOND TO ME OR ANYTHING.
Complaint sub-issue: Personal information incorrect

i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied
Complaint sub-issue: Their investigation did not fix an error on your report

Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.
Complaint sub-issue: Information belongs to someone else

i am a XXXX year old XXXX XXXX. You have multiple accounts registered under my name with balances due. This is incorrect and needs to be removed as soon as you receive this communication from me!
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX I received a letter from XXXX stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XXXX XXXX, XXXX with unpaid balance of {$24000.00}. 
They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX. 

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving. 
And that they are required to report accurately. 


The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX. 
The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XXXX, XXXX it should state XX/XX/XXXX not XX/XX/XXXX. 

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false. 

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to XXXX XXXX XXXX nor XXXX XXXX XXXX. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of XXXX may or may not  have worked for XXXX. 

My actions have been contacting XXXX about the misrepresentations and they have stated the account has been charged off since XXXX but it is still open and they are reporting correctly. 
I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated. 
I have submitted a prior complaint to CFPB which contacted XXXX which responded with the letter that I have explained. 
I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2022, I filed a dispute with XXXX, XXXX and Equifax Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Complaint sub-issue: Problem getting your free annual credit report

Equifax refuses to send a complete credit report with all pages. As well as the credit score. I'm also filed with the Department of Justice as well as the US Attorney office