Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Filed for bankruptcy

i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours
Complaint sub-issue: Debt was paid

XX/XX/2021 : I sent Notarised : Affidavit of Truth : Nelnet Cease and Desist Debt Validation Letter Invoice 0f violations, 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ) 15 USC 1692f ( 8 ), and 15 USC 1681b ( 2 ), Invoice total {$5000.00} payable by check
Complaint sub-issue: Can't decrease my monthly payments

I 've been attempting to work with Fed Loan since XXXX XXXX to have my payment plan recalculated. I called them in early XXXX and informed the rep that I was having a hard time paying my loan. Additionally, I told the rep I was recently married and needed to update my family size. The rep stated that the change in my status would help decrease my monthly payment. He asked that I submit documentation including my taxes as well as pay stubs. I was informed that I could also qualify for an administrative forbearance. I call each month until early XXXX and am always given conflicting answers. I got so frustrated that I decided to contact the XXXX XXXX XXXX XXXX Ombudsman group for assistance. With their help I was able to have my application expedited. Unfortunately, once my loan was recalculated my monthly payment increased from {$430.00} to close to {$630.00}. I surely could not pay this amount while at the same time affording rent, car insurance, and other essential living in the XXXX XXXX area. The Ombudsman group was able to provide me information on another payment plan that would decrease my payment plan. I applied in early XXXX XXXX for the Repaye/Paye program. I called twice to check on the status of my application and was informed that I would receive notification " In a week ''. I informed the reps that my loan was past due and near delinquency and this was very urgent. I was informed that I did not need to worry as I would receive notification. Almost XXXX weeks later, I have not received anything. I do not qualify for a deferment or additional forbearances. I contacted the escalation line for Fed Loan 3 times to request an administrative forbearance but have never received a call back. I used the chat feature on Student.gov today for assistance. The representative told me to go back to school so that I could qualify for an in school deferment. Really? Go back to school? My husband and I combined owe over {$200000.00} in student loans. I would like to pay my loans but need a reasonable payment. I am not asking for a handout. Why are n't there options out there for people in my situation. I feel as though Fed Loan rather see me default then to provide assistance. My experience with this company has been BEYOND FRUSTRATING. PLEASE HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.
Complaint sub-issue: Can't temporarily delay making payments

i received student loans to complete a phd in biology at XXXX university, for 5 years after graduation in XX/XX/XXXX, i was in forebearance because i could not get a job and had to settle down for XXXX {$19000.00} fellowship as postdoctoral fellow at University XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to apply for loan forgiveness as XXXX fellow but was turned down, as the program was for only XXXX fellows working at XXXX. I got my first real job as an XXXX XXXX in XX/XX/XXXX at XXXX University, PA on XXXX annual salary, i was laid off with all non-tenured faculty in XX/XX/XXXX due to the State of PA cutting off all aid to XXXX University due to financial stress of XX/XX/XXXX. After 4 months unable to secure another job, i volunteered for XXXX type federal sevice called XXXX/sponsored by XXXX, XXXX for XXXX XXXX for 2 years, XXXX. When i returned to USA in XX/XX/XXXX, i still had no job so i did XXXX XXXX service for 2 years with STS/PA until I got a faculty job in XXXX XXXX on XXXX per annum in XX/XX/XXXX at XXXX University at XXXX XXXX XXXX I paid my student loans for 3 years while at XXXX University and at Southern University at XXXX XXXX. I was denied tenure in XXXX at Southern University and have remained unemployed since then. Both my services at XXXX University and XXXX University is for 10 years though not continuos. My student loan went into default and when my XXXX dollar tax refund was garnished in XXXX, i applied to rehabilitate the loan through XXXXPHEAA and it was granted with agreement to pay XXXX dollars a month till XX/XX/XXXX. However the loans were reinstated in XX/XX/XXXX with a payment of XXXX dollars per month, my Social Security benefits, the only income i have is XXXX per month, i am on XXXX and XXXX XXXX All attempts to get AES to grant me forebearance based on my income has failed.
Complaint sub-issue: Information is missing that should be on the report

XXXX years ago, after maintaining an XXXX score with Equifax XXXX XXXX, and XXXX XXXX my Equifax score inexplicably dropped to the mid-XXXXXXXX. I have reviewed my Equifax summary and currently Equifax only has XXXX sources or lines of credit, they see. 

( See enclosed Equifax summary-Equifax score XXXX ; XXXX XXXX, XXXX XXXX Note Equifax credit report summary-total lines of creditXXXX ; credit utilization XXXX XXXX  ) XXXX Summary of Accounts shows over XXXX accounts in satisfactory status ( see enclosed ) Despite all certified information provided to Equifax, Equifax continues to send me computer-generated information without addressing the issue and without reporting the multiple accounts the other XXXX major credit reporting agencies have available. 
I never get an explanation of why they cant correct this problem. 

Equifax will not update their files or respond to me in any way after multiple certified letters providing information to them. I am able to provide a XXXX-page XXXX of documents resubmitted to Equifax XX/XX/2021 which appears to have been ignored as Equifax has not addressed or acknowledged the situation nor has it made any changes in recognizing the multiple accounts that are known to the other XXXX major credit reporting agencies. 

Over the past XXXX years I have made several attempts to Equifax using certified mail requesting Equifax to update my active accounts by providing Equifax my identification and lines of credit that XXXX and XXXX are aware of ( all of which are in satisfactory status. ). 

My most recent response from Equifax XX/XX/2021 stated they were unable to locate a credit file in our database with information you provided, in order to further assist, we will need additional documents to verify your identification etc. 

I again sent Equifax XXXXnformation certified with the dispute number, my address, a copy of my Social Security card, a copy of my drivers license, a list of former addresses, and proof of several open accounts that Equifax no longer keeps a record of. 
Equifax will not update their files or respond to me I am grateful for any help you can provide in this matter, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, AZ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}.
Complaint sub-issue: Can't close your account

Several years ago I closed my HELOC account in person with the assistant manager of BBVA Compass bank, and after a call by that assistant manager she told me my HELOC account was closed. There was a new transition last XXXX XXXX where BBVA Compass bank was now owned by PNC bank XXXX In XX/XX/XXXX I received a $ XXXX  yearly finance charge from PNC bank. I inquired about this at my PNC branch. They made a call to the PNC Loan Service department that handles this and they stated I was charged the {$50.00} because my HELOC was not closed. I told PNC the account had been closed when it was BBVA Compass bank and I expected it to be closed based on the information I received from the assistant manager of BBVA Compass. I told PNC they needed to refund the {$50.00} finance charge back to my checking account. PNC stated it would take a few days for this to be evaluated and the money refunded and to check back in a few days, which I did. The money had not been refunded, and unbelievably my HELOC account still had not been closed. When the transition from BBVA Compass bank occurred last XXXX, PNC failed to appropriately update their files to show that the HELOC had been closed. I made several calls to PNC Member Services who forwarded the matter to their Loan Service department and always told they would contact me, but no contact by e-mail or phone every occurred. My request to close the account and credit the {$50.00} finance charge has been totally ignored and I find this conduct and lack of professionalism irreprehensible as a customer of PNC bank.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Complaint sub-issue: Contacted your employer

Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I opened a billing dispute for {$1000.00} with Citibank Credit Card XX/XX/XXXX, paid to merchant, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for a 11 carat stone they advertised and sold to me as a natural ruby. I opened the dispute with the credit card after trying to contact the merchant by phone, XXXX message and by email XX/XX/XXXX upon learning the stone was a composite, a fake and receiving no response. Citibank provided no instructions regarding the dispute until they closed the dispute the first time and advised me to return the item in order to pursue the dispute further. Upon this instruction, I returned the item, provided proof of delivery made on XX/XX/XXXX and waited until XX/XX/XXXX to learn that Citibank takes the position that the charge is valid since the merchant will not accept the return. I therefore have paid {$1000.00} for an item that is not in my possession. The merchant has kept the money and their product, and Citibank has again closed the dispute.
Complaint sub-issue: Not given enough info to verify debt

Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Complaint sub-issue: Problem during payment process

I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.
Complaint sub-issue: Personal information

the address in MI ... I 've NEVER lived in that state
Complaint sub-issue: Account information incorrect

I have a CITICARD CBNA card with my brother. The account has been paid in full and CITICARD has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports CITICARD CBNA are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and XXXX  are negatively impacting my ability to obtain that mortgage.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB XXXXortal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Complaint sub-issue: Account information incorrect

XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XX/XX/XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XX/XX/XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. XXXX and Equifax continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX   and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against XXXX, Equifax, and XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account 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  has violated my rights. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX