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

since XX/XX/2022 I've noticed on Equifax.com my credit score and only 1 card reporting in my history was not mine. I reached out to Equifax whom advised me that they see the issue with my online as they can visually see all 7 open accounts reporting on the backend on their system, who then assured me the issue will be fixed within 24hrs once we disconnected the call. in XX/XX/XXXX I applied for a loan which I was denied for as the lender advised I have no score with Equifax and history shows only 1 account. I called Equifax on XX/XX/XXXX as I remembered this was the same issue I was assured that was fixed back on XX/XX/2022 that was not fixed! I stayed on the phone 3hrs after being transferred and hung up on ; I worked with XXXX who told me that there was clinch with the company as she see all my accounts as we went over ALL 7 reporting accounts and disputed the account that was not mine. which since then was removed. after waiting 3 hours the agent advised that this something that will take longer and will have to call me back within 72hours. XX/XX/XXXX I called as to get an update, I was advised that it was fixed XXXX. I checked my credit report while on the call and only one account was reported back and 1 account XXXX XXXX XXXX XXXX  ) that was not mine was added back. they told me there's nothing can done as they can't see my history anymore on they're side. and that I would have to tell all my creditors to report my payments to Equifax. I told them all my creditors never stopped reporting to Equifax. instead Equifax erased my credit history and stopped reporting my accounts no my creditors. The agent was very rude nonchalant advised there's nothing else that can be done. I asked to speak with a supervisor she stated that she is the higher up the ball stops here with her. I asked 4 more times she finally stated that she has a superior but he is very busy with other calls I can leave a request but he most likely won't call me back. I was in disbelief that a company that has access to a person livelihood can be so inconsiderate unprofessional non helpful and deliberately make you feel that your issue does not matter when Equifax is at fault for erasing my history. I put the request in and called back to try to speak to a supervisor and im currently now on hold
Complaint sub-issue: Didn't receive enough information to verify debt

I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2020 disputing the collection account for a XXXX XXXX   account in the amount of {$320.00}. By the way, I DO NOT ever recall having a XXXX XXXX account. I received a response letter from XXXX XXXX XXXX dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by IC System Collections agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to IC System on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by IC System Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from IC System, they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim and I do not recall ever having a XXXX XXXX   account. 

This complaint is in regards to IC System Collections as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS IC SYSTEM COLLECTIONS NOW ABLE TO VALIDATE THE DEBT?
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

Please review the attached documents.
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account XXXX : XXXX Has violated my rights XXXX 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Don't agree with the fees charged

I was under the impression my Federal Student Loans were not accruing interest due to the Pandemic. I logged in XX/XX/21 and found I had accrued {$3000.00} interest from Group A and B loans from XXXX. I emailed Nelnet to remove the interest immediately and they responded stating my loan was originated as a part of the Family Federal Education Loan ( FFEL ) Program by lenders other than ED and didn't qualify for interest suppression. This is a Federal Student Loan! I became angry and paid off Group A loan on XX/XX/21 for {$25000.00}, and remaining principal {$7.00} on XX/XX/21. That savings was in case I became sick with COVID or lost my job due to the Pandemic. I need this investigated. I want the interest I paid during the Pandemic credited to my remaining loan, which is also accruing interest.
Complaint sub-issue: Problem with statement of dispute

I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 60-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Complaint sub-issue: Application denied

Lost card when I had an account with them sent bank memo and police report advising of such. Post dated autopsy enrolled resulting in returned payment. 

They closed my account then advised they would be reopening. After months i continued to go back and fourth with every rep offering a different answer. 

I was advised allow 30 days that never happened. Then after months of following up instructed to reapply contrary to what I was informed by over 8 reps. I was advised I was blacklisted by a special department and transferred to the office of the President.

The condescending representative from the office of the President stated she has no idea why my account was flagged as payments were kept up and the account paid off it should be removed she would have removed but they would not reopen Then they refuse to remove and have blacklisted me for life she stated. What kind of service are you running are you serious?
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a dispute with equifax regarding unauthorized inquiries on my report. Equifax did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Problem with statement of dispute

Agency to report Equifax- the problem is not with the statement but with the process they have for the investigation. It is persecutory of the disputee. 

I have had regular of problems with Equifax Credit Report Bureau. They consistently have the wrong information & I have opened several disputes. Initially my mortgage account was listed as closed in my report summary although it showed payments were made. I initiated a dispute and it has led to a yoyo affect on my score. I believe it negatively impacted my ability to get a 'low score no problem ' personal loan. 

My main concern is with the inconsistency of my score. I found out today that when you open a dispute that item is removed from the calculation of your score, so while in the 30day 'investigation ' period your score can be negatively impacted. My score went from a XXXX something to a XXXX something XXXX when my score was in the XXXX 's I applied for a loan & made inquires about refi loans - the score plummeted in the middle of this applications & inquiries XXXX & back to a XXXX something in a month. I believe once my initial dispute was resolved I noticed that my address information on my mortgage account was incorrect, so I opened another dispute which brought my score back down again. 

This is not a fair business practice. One would think that they would maintain consistency with their product ..the 'score ' and make changes to after they have found & corrected the problems. 

Thoughts : Is it fair to be punished for asking that your information be reported correctly? 
Identity theft is a major concern, what about identity assault & battery by a credit bureau? XXXX 
It is an impossible trap. 

I told the credit score analyst that this is not a fair practice, that I think I will report it to the FTC, so knowing them they will change their tune & say that it was never their practice to remove the item from calculation while investigating ( It is like it is done for logistical administrative purposes to keep people from disputing incorrect information ). I have not been able to find my XXXX/XXXX/2015 score of XXXX on the Equifax site, since I sent it in a letter to the dispute department of my bank. 

Pardon my ranting but I feel that I am at the mercy of a large organization. I am at fault for my late payments, but I am at fault for their ineptitude? 

Please help me!! 


Who watches the watchers.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX believes that XXXX XXXX XXXX has no choice but to delete the account currently posted on my Equifax Report, and that Equifax missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but XXXX XXXX XXXX cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by Equifax as the statement posted by XXXX XXXX XXXX shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
Complaint sub-issue: Received bad information about my loan

I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Complaint sub-issue: Add-on products and services

IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.
Complaint sub-issue: Debt is not yours

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also list these laws for your convenience.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX XXXX XXXX. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.