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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Old information reappears or never goes away

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX  and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax a letter nearly two months ago, asking them to investigate errors on my credit report. Its been well over 30 days, and I have yet to get a response from their organization.
Complaint sub-issue: Reporting company used your report improperly

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX. I contacted XXXX and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Equifax Equifax assumed a vital role, when they reported Information without my permission or consent. 
I never instructed equifax to furnish a report, equifax never had permissible purpose -- I never consented to the report to begin with. 
To my surprise, they are not exercising their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Personal information incorrect

I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.
Complaint sub-issue: Account status incorrect

Hello I have a car loan with XXXX XXXX, a Credit Card with XXXX XXXX and two student loans one with XXXX and one with XXXX. 

I paid all these accounts back current around XX/XX/2019 and by now I should see my score increase and these accounts no longer showing late. After numerous calls, I can't get Equifax to budge and update these accounts which is holding me back from having a score needed to proceed with important financing. 

Both XXXX and XXXX are showing me current but Equifax refuses to update my credit report reflecting I am now current on those accounts. Equifax still shows me delinquent on all three. My score increased by 72 points with XXXX, 64 points with XXXX and my score is still low and has not changed at Equifax. This is how I know they are not updating my accounts. All creditors have advised me they have accurately updated and sent my new payment history showing current to all three credit bureaus including Equifax. I'm not sure if they are behind or what it is but I need them to update my accounts accordingly or I'm suing them for inaccurate reporting and causing me a delay in financing. Please contact them and make them do the right thing. This is very unfair! My email address is XXXX XXXX
Complaint sub-issue: Inadequate help over the phone

Equifax is still reporting a loan default, that 's over 7-years old on my credit report. They are the only credit reporting agency, that 's keeps on Reporting. This has affected me on purchasing a loan for my lending company, i was denied. XXXX & XXXX did their investigation and deleted it from my credit report already. This has been going on over 4- months. That 's the reason this investigation. Thank you!
Complaint sub-issue: Received bad information about your loan

I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.
Complaint sub-issue: Reporting company used your report improperly

I have been demanding to have these accounts removed with Equifax, and they refused. As of XXXX XXXX, I have been in communication with Equifax and they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ) Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I contacted Equifax and gave them instructions to remove unauthorize accounts from my consumer reports, I also informed them that they did not have permissible purpose and no consent to report or furnish anything, This is considered as Identity Theft Perusuant to USC 1681b Title Title 15 Chapter 41 1. XXXX XXXX 2. XXXX XXXX 3 XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My two student loans with AES are reporting late in XXXX of 2020 on my credit report. I pulled my payment history snd show a {$190.00} payment on XXXX 1,2020 and another {$200.00} payment XXXX XXXX,2020 and a {$270.00} payment on XXXX XXXX2020 which means there is no way I could be 60 days late on this as I made 2 double payments within those 60 days. I would like this removed from my credit report and updated to on time please.
Complaint sub-issue: Reporting company used your report improperly

Wait a minute here. Lexisnexis you claim you had removed the bankruptcy from your files?? This is new to my eyes. In your response you were very quick to note that I had ( 48 ) complaint / disputes with your company In those 48 contacts that Ive had with you could you tell me which number that you indicated that the bankruptcy was removed? Please upload to CFPB. Also you never sent a updated credit report from your office again indicating that you had claimed to have had the bankruptcy removed Im just curious as to why not!. 

Secondly what was your reason for removing the account from your credit file?? Just curious you removed it but however XXXX XXXX and XXXX are very quick to say that they contact you when they receive a dispute! So you mean to tell me you remove it from your account but when they contact you. You tell them that the information is reporting as correctly? How is this possible Lexisnexis??? Review their reports thats exactly what these people are saying your company name is all over there report. Each and everyone of them. It is very clear that XXXX  and XXXX  and XXXX contact you to verify the public records. But you going to remove my public record from your report but still tell them its reporting as accurate Lexisnexis this is unlawfully and reckless credit reporting that you are doing on your behalf. I dont care what you sell or to whom you sell it too but you make sure youre reporting is accurate. I will need for you to remove the public record from XXXX XXXX and XXXX! You have the power to do this because if you are verifying it you can remove it. 10 business days Lexisnexis I will consider legal action. If you DO NOT On the 50 dispute/complaint. Will be a charm!

Since you claim the bankruptcy was removed from your report section 609a ( 2 ) I request for you to provide me that the XXXXXXXX XXXX  public record was in fact removed from the credit file of your company this will include a copy of the credit report the date that you removed why was removed. 
And 10 days you will need to contact the major 3 and have them remove the public records in its Entirety this false information I have supplied you everything that I have showing you that you are reporting and verifying false information. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX
Complaint sub-issue: Company closed your account

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my Macey account is XXXX my complaint is that Macey fraud dept closed my account thinking that the account was fraud I told them that all charges are valid. Also I've been a good customer with them van you please have Macey credit set me up a new card
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Investigation took more than 30 days

I submitted the exact same disputes to all 3 credit bureaus on XX/XX/2019. XXXX   and XXXX received, processed and gave me results within 30 days. Equifax received my dispute on XX/XX/XXXX and then didn't process it until XXXX XXXX which is when they started their 30 day window. When questioned they stated that it due to their internal mail handling practices and processing time for the documents I provided. They suggested if I submitted it electronically it would have taken less time, except their site is unreliable and I was unable to do so. 

I understand they rules to be that they have 30 days of receipt to do their investigation, This company added 12 extra days based on their own internal process which is unfair to consumers. Please hold them accountable for this, Equifax has a history of not being consumer focused and this is simply another example.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.
Complaint sub-issue: Account status incorrect

XXXX XXXX  XXXX has reported two bank accounts to XXXX XXXX  ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status. 

I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX  XXXX  XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}. 

At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.
Complaint sub-issue: Debt was paid

I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.
Complaint sub-issue: Personal information incorrect

The Credit reporting company Equifax has been wrongly reporting my name. 

They are reporting XXXX XXXX and XXXX XXXX instead of XXXX XXXX. 

I have already brought this issue with XXXX  but has not heard from them since more than a month. 

Also I am not able to get online on Equifax.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I written 2 certified letters to resolve the situation of inaccurate information reported. The tracking numbers for both are XXXX and XXXX. I requested the original contracts on the said debt and havent received anything. The amounts of the debts are {$510.00} and {$470.00}. 
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Complaint sub-issue: Problem making or receiving payments

on XX/XX/20, complainant transferred {$300.00} from a XXXX checking account ( XXXX ) with the transaction completed on that day around XXXX. Transfer has not yet been completed with delivery to Citi savings being around XX/XX/20. 
Citi business customer service has not been able to find the pending transaction. 

Their second level supervisor indicate that the fault is with XXXX as the transaction has originated from them. 

I do not know where my money is nor is the bank providing any service.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Complaint sub-issue: Company closed your account

Discover states that a letter was sent in XXXX, 2020, alerting me that my account would be closed due to inactivity. I never received the letter. I was alerted by a credit reporting service that my account had been closed on XX/XX/XXXX. I called Discover on XX/XX/XXXX and told their representative that they should have sent a warning electronically through their app or online service center. This was an older account that I wanted to keep. Had I received that warning, I would have done what was necessary to keep it in good standing. Instead, during a world wide pandemic, when people are struggling financially and not going out to shop and eat, my account has been closed and I no longer have access to that credit. Furthermore, my score took a hit for this cancellation.
Complaint sub-issue: Trouble with how payments are being handled

I currently work as a XXXX  and am working my way towards the ten years of Public Service Loan Forgiveness. I had been making payments steadily. While I was attending school for my XXXX XXXX XXXX, FedLoan servicing automatically put my loans in deferment. This is normal procedure, but then my payments don't count toward pslf. I requested that they not put my Ioans deferment for future semesters, and they said that they had put it on my account so they wouldn't do that. 

They did it again the next semester, and then again the semester after that. When they removed the deferment, they put my loan in 'paid ahead ' status, even though it wasn't. This caused five of my payments to not count towards the pslf program. They entirely admitted it was their fault and that they would correct their error. 

I submitted a review in XXXX. That review took over a year to complete and they did not correct their errors. I submitted a second review in XXXX of XXXX, upon recommendation from a FedLoan servicing employee. I was told this review would take three months to complete. I called back in three months. I was told it would take another three months. I just received the completed review after almost 2 years of struggling with them, and it still is not counting the payments I made during the time of company 's error. 

FedLoan servicing has said on many occasions this was their error and they would fix it. This makes a difference in thousands of dollars for my loans.
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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, The XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 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 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: Investigation took more than 30 days

i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.