Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Complaint sub-issue: Was not notified of investigation status or results

Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??
Complaint sub-issue: Account information incorrect

I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, leading to a breach which puts myself and millions of others at potential risk. I am especially disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for consumers to deal with. Considering the generally misunderstood nature of credit reporting among the general public, Equifax should have immediately contacted everyone affected and provided the public with a list of concrete steps to take. I should not have to figure out how to safeguard my information by myself when a company 's lack of security was what caused it to be compromised. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Reporting company used your report improperly

All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act XXXX  account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Complaint sub-issue: Received bad information about your loan

I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.
Complaint sub-issue: Problem with customer service

I have been on XXXX for almost 3 years now and been trying to get my XXXX XXXX  taken off and they are making it really difficult for me to do so or they keep telling me different things and I am so frustrated and it is affecting my mental health and need someone to take care of this situation
Complaint sub-issue: Billing dispute for services

I was in deference on my loan because I was n't work at the time and they reported late payment for 6 months.. I emailed them and called they keep saying they had the late payment removed but they are still on there ... I even sent a email again on  XXXX   XXXX   2017 a nd nothing has been done
Complaint sub-issue: Personal information incorrect

I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.
Complaint sub-issue: Information belongs to someone else

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously, has caused financial injury and defamation of character along with 60 plus days of no response
Complaint sub-issue: Funds not received from closed account

- XXXX of XXXX : I received an email saying that Discover Bank decided to freeze my account and close it for a business decision. I made many calls that day trying to figure out why they did it and couldn't get an answer from their agents or supervisors regarding reason of closure. 
- XXXX of XXXX : I made a complaint with CFPB. 
- XXXX of XXXX : Discover Bank replied to my complaint saying the same thing, and that they will send me my funds as a check after 60 days. 
- XXXX of XXXX : I called Discover Bank to ask about my check, the agent literally told me the account is not closed yet and that it is still pending closure. 
- XXXX of XXXX : I posted this issue on a public forum and people advised me to take it to the FDIC and contact CFPB which I'm doing right now.
Complaint sub-issue: Account status incorrect

I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Equifax and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Equifax and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize
Complaint sub-issue: Investigation took more than 30 days

XXXX continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and Equifax reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also XXXX reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Complaint sub-issue: Debt was result of identity theft

I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
Complaint sub-issue: Reporting company used your report improperly

According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

XXXX also violated the law because according to XXXX U.S.C XXXX section XXXX A. state 's I have a right to privacy XXXX XXXX. XXXX section XXXX A. section XXXX also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.
Complaint sub-issue: Problem with fees

CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.
Complaint sub-issue: Investigation took more than 30 days

hXXXX XXXXhas a 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 710. XXXX has me at a score around 592. 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Complaint sub-issue: Information is not mine

Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!
Complaint sub-issue: Personal information incorrect

In XXXX of XXXX, an attempted identity theft of my information resulted in me getting a credit report from all three reporting agencies. At that time, Equifax had my correct date of birth. Then in XXXX of XXXX, I was informed by my credit union that Equifax had the wrong date of birth for my information. 
When I try to get the date of birth corrected, Equifax tells me that I need to submit documentation to prove that I am " me '' and my social security number and my date of birth. 
If documentation is required to correct the information, then how did the date of birth get changed to the wrong date! Where is the documentation that caused that change? Who submitted the incorrect information? What protection does Equifax provide to ensure that this error can not happen again? 
I am submitting this complaint through the the Consumer Financial Protection Bureau in order to get questions answered and to protect my personal information.
Complaint sub-issue: Unexpected increase in interest rate

On XX/XX/XXXX I transferred a {$720.00} balance from a XXXX XXXX XXXX credit card to a US Bank card. I paid the applicable transfer fee. The APR would be 0 % until XX/XX/XXXX. In XX/XX/XXXX I used the card to buy a sandwich for {$3.00}. I've noticed they started charging me a minimum interest fee of {$2.00} each month even though no purchases were made after that. I have made timely payments for more than the minimum amount. I called this morning & was told that since I bought this sandwich I would be charged {$2.00} interest each month and the only way that would stop was to pay the entire card balance. I asked them why I could not apply part of the monthly payment to any purchases & the rest to the balance transfer & they stated that was not allowed. I have a copy of the letter they sent me when I made the balance transfer & nothing is said of this. It is an unfair & misleading business practices since I am not allowed to pay on the purchase with a higher interest rate than the balance transfer amount which has a 0 % rate.
Complaint sub-issue: Debt is not yours

XXXX   XXXX    XXXX   i noticed that Enhanced Recovery once again placed a debt on my credit profile that i dont owe.This company has not provided proof that im the owner of this debt, I asked this company to provide proof that they are licensed to collect debt in Louisiana, they did not. This is clearly a violation of the " Fair Credit Reporting Act ''. Please be advised that I am keeping documented proof of all contact with '' Enhanced Recovery Corporation ".
Complaint sub-issue: Information belongs to someone else

3rd REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.