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

I contacted XXXX  and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX  2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MInnesota XXXX DOB XX/XX/XXXX SSN XXXX Citi bank Cc CFPB On this XXXX day of XX/XX/XXXX I XXXX XXXX XXXX I have contacted your office via MInnesota Attorney Generals office, credit reporting agencies and the consumer financial protection bureau. But it is hereby known that I have sent you factual proof and documentation of your unlawful and negative credit reporting that you are reporting on me! But you refused to remove the violations. In accordance with the federal fair debt credit practicing act 15 USC & 1692 you are hereby notified to Cease and Desist reporting account XXXX in addition you are hereby to remove this account from all credit reporting agencies I will request documentation that you have complied with this request Thank you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XX/XX/XXXX changed the dates the accounts were first reported, while Equifax and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Complaint sub-issue: Personal information incorrect

I requested a credit report from each of the three major credit reporting agencies ( CRAs ) in XXXX of 2020. On review, I noticed that Equifax was reporting an incorrect date of birth ( the other two CRAs had my correct DOB ). As a result, I opened an online dispute with Equifax ( Confirmation No. XXXX ) on XX/XX/2020, asking them to correct the error and supplying them with my correct DOB, and with a copy of my drivers license showing my correct DOB. After waiting 60 days for a response and not getting one, I again visited the Equifax website and saw that : ( 1 ) they had opened and closed my dispute on the same day, and ( 2 ) that they had not corrected the error. Consequently, I filed a new dispute with Equifax ( Confirmation No. XXXX ) on XXXX, 2020, again supplying them with my correct DOB and a copy of my drivers license showing my correct DOB. In less than 24 hours, I learned that Equifax : ( 1 ) again opened and closed my dispute on the same day, and ( 2 ) had not corrected the error in the report -- the credit report they supplied still contained the incorrect DOB. I believe Equifax is violating the FCRA by : ( 1 ) failing to conduct proper investigations into disputed information, and ( 2 ) failing to correct errors in credit reports after being provided with information establishing the error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and noticed fradulanet inquires on my credit report. I reached out to XXXX, XXXX and Equifax. XXXX did an investigation and Equifax and XXXX failed to do so. 

With Equifax inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX With XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I even sent each company letters and they saying I have to contact the source which I do not know who the source is.
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry TEXAS XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

FedLoan is my current loan servicer and after multiple emails, attempted phone calls ( some of which I was on hold for over an hour after THEY returned my call ), I have yet to be able to find up to date or accurate information/guidance on my TEPSLF progress. I would like more clear and accurate communication and less misrepresentation of actions they have performed on my account. Ive been sent letters that state an inaccurate about payments for TEPSLF that they say dont qualify when my records from studentaid.gov / XXXX show that the payments do qualify under the new guidelines.

I have several ineligible payments from my loans being automatically being put in in school forbearance during XXXX  school when I was working and able to pay but was advised not to because those payments would not count towards forgiveness.

FedLoan is misrepresenting their efforts and neglecting their responsibilities as a loan servicer as their accounts are clearly not accurate but FedLoan claims they are. Ive worked in XXXX for 13 years and have either made 120 qualifying payments towards forgiveness or had been mislead and instructed not to do so because that was what was best for the company, not for the costumer.
Complaint sub-issue: Problem getting your free annual credit report

I requested my free annual credit report from Equifax, and they provided me a blank file. When I tried to request another copy, Equifax stated that I had already received my annual free credit report. I contacted Equifax about this concern through and have heard nothing back. It has been over 72 business hours since I made my initial request. Equifax is unlawful withholding my personal financial information and refuses to acknowledge their wrongdoing.
Complaint sub-issue: Information belongs to someone else

I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX reported XX/XX/XXXX on the date of last activity, while Equifax reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.
Complaint sub-issue: Information belongs to someone else

Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.
Complaint sub-issue: Other problem getting your report or credit score

Today, XX/XX/2021, I attempted to get my Equifax consumer credit report and was DENIED computer access. Today, XX/XX/2021, I received notice of a change that NOT only pulled my credit score down, but prompted me of changes to my consumer credit report. I am formally DISPUTING, and RESPONDING, to XXXX XXXX XXXX XXXX willful, malicious, unlawful and FRAUDULENT credit reporting that I am 90 day 's past due on my vehicle loan account. I was DENIED, entrance into my consumer credit file [ Equifax ] via the internet today, XX/XX/2021. I am reporting, ongoing practiced unlawful DISCRIMINATION/HARASSMENT/RETALIATION ( Based on my recently filed CFPB complaint against XXXX  and XXXX XXXX XXXX XXXX ) ; Civil Rights violations ; Systemic XXXX oppression ; Fair Credit Reporting Act ; Financial status ; and all other applicable violations ( federal/local/state ) practiced by XXXX XXXX XXXX XXXX [ together ] with Equifax. It is apparent, that Equifax and XXXX XXXX XXXX XXXX have a illegal relationship, like XXXX  and XXXX XXXX XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX! I will fax, all supporting documentation to CFPB ( to be filed " only '' with CFPB FOR THE PURPOSE OF " ONLY '' THIS COMPLAINT )! ALSO, let the record show, that XXXX XXXX XXXX, doesn't have an account with XXXX and have NEVER had an account with XXXX. XXXX  @ XXXX. cc : U. S. DISTRICT COURT ; AND FILED.
Complaint sub-issue: Can't decrease my monthly payments

In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.
Complaint sub-issue: Deposits and withdrawals

Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?
Complaint sub-issue: Their investigation did not fix an error on your report

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all 3 of the accounts, and that all 3 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 3 items remain on my credit report and need to be removed.
Complaint sub-issue: Having problems with customer service

FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Complaint sub-issue: Debt is not yours

The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years
Complaint sub-issue: Delay in processing application

I applied for a Citi XXXX Rewards credit card on XX/XX/XXXX. Citi informed me via secure email that I needed to verify my income by submitting a payslip that included my social security number. 

My employer does not provide payslips with a social security number. I called Citi and they said it was fine to submit whatever I had. I submitted a payslip to their secure email address. Two days later, I called in and the representative claimed that I did not have the income I reported on the application. I explained that the annual income I reported on the application does not match the payslip because I started the job in XXXX and it is early XXXX ; I would not have made that amount within the last 9 months. 

The next morning, I received a secure email that was identical to the first. It said I needed to verify my income by submitting a payslip that included my social security number. I called back in, saying that I already explained the situation. The representative said I needed to submit proof of address. As I did not receive this request for proof of address in writing, I decided to withdraw my application. 

This situation was extremely frustrating, especially since I had a credit card with Citi until fairly recently. I do not think I should have received a hard pull on my credit report for this.
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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.
Complaint sub-issue: Account status incorrect

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX-XX/XX/XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Equifax has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS U S DEPARTMENT OF ED XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Have attempted multiple times to contact company to start paying off with monthly payments that are affordable for me, but no one would ever return my call.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.
Complaint sub-issue: Information belongs to someone else

Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with XXXX, Equifax and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call
Complaint sub-issue: Report provided to employer without your written authorization

Employees in XXXXXXXX XXXX XXXX and EQUIFAX iT services are posting wrong information and not removing the paid off Zero balance paid off account from XXXX XXXX XXXX XXXX. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these two and XXXX in XXXX  Please look into this matter seriously and remove dead accounts. Pls stop age profiling