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

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}
Complaint sub-issue: Trouble with how payments are being handled

I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.
Complaint sub-issue: Report improperly shared by CRC

Complaint is linked to XXXX other complaints, uploaded documents will provide better description of actual complaint facts, I have filed complaint with H & HS Office of Civil Rights for violations of HIPPA. EQUIFAX CONTINUES TO PUBLISH ILEAGALLY OBTAINED DOCUMENTS & DISPLAYS THEM IN VIOLATION OF HIPPA GUIDELINES.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.
Complaint sub-issue: Unexpected increase in interest rate

In XX/XX/2019 I was charged {$590.00} for interest. At that time my balance on the best buy citi card was below {$500.00}. Now my bill is over {$1000.00}
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 XXXXXXXX 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: Account information incorrect

At Best Buys request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in Best Buy Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureau failed to investigate all collection debts and send me physical proof that the alleged collections was 100 % factual and accurate. The investigation also took longer than 30 days.
Complaint sub-issue: Problem with personal statement of dispute

I submitted a complaint regarding EQUIFAX handling of a dispute regarding 2 companies two days ago ; subsequently they dropped my credit score by 52 points even though they indicate there were no changes in my credit record. 

I believe they dropped my credit score because of my complaint I filed against them.
Complaint sub-issue: Company closed your account

Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. 

I sent a message to close this account, although I never followed up. 

Account went unnoticed for approx 3 months. 

I never received notification of negative balance Until notice of {$37.00} due and account closed. 

Paid balance due at bank.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Im never requested credit or did an application for these companies.
Complaint sub-issue: Information belongs to someone else

I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.
Complaint sub-issue: Debt is not mine

Alliance One has been repeated calling my home for the past few months looking to collect a debt for a person called XXXX XXXX XXXX. At first tried, I just selecting the option on the recorded message they leave that says I do n't know this person. That did not work. I then called them and informed them that I do not know that person and do not know how they can contact that person. I was informed they would remove me from that record. Yet just yesterday ( XXXX/XXXX/2016 @ XXXX ), I received yet another call from them. I called yet again this morning ( and recorded it ). I told them once again that I do n't know the person. They told me I would be removed from their calling lists. Though at this point I have very little faith they will actually remove me. 

This is causing my a lot of anxiety. I never know when they 're going to call as they have called from different phone numbers and they call at all times of the day, often waking me up on weekends. I do n't think this is acceptable business practices.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

For the past few months, I have tried to submit a dispute online on Equifax 's website, but to no avail. Whenever I try to start a dispute, the message states " temporarily unable to process your request ". Even after calling Equifax several times and speaking to different representatives, they all say the same thing each time : there is a system update. 
Please look into this.
Complaint sub-issue: Information belongs to someone else

SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my equifax account. ( 31 )
Complaint sub-issue: Reporting company used your report improperly

Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information. 

Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase. 

Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports. 

Below is the information provided by Lending Club to prompt the inquiry. 
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Complaint sub-issue: Reporting company used your report improperly

I am submitting this complaint against Equifax after discovering the reinsertion of a bankruptcy on my consumer report. I sent in a letter to dispute reporting of a XXXX XXXX account and their response was to reinsert a bankruptcy that was deleted. I did not give Equifax or any of it's affiliates permission to report this private information. They will most likely respond the way they have previously claiming the information is public and received from a third party. It is not XXXX XXXX because I am opted out of XXXX XXXX and have been for years. It is also not the " furnisher '' because the US bankruptcy court has confirmed they do NOT provide information to credit reporting agencies because it is PRIVATE. I am not interested in a long drawn out battle. I am livid. I demand the items be deleted IMMEDIATELY along with compensation for Equifax 's willful noncompliance in damaging my reputation without my consent or notifying me per the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Complaint sub-issue: Information belongs to someone else

I'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name
Complaint sub-issue: Information belongs to someone else

A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, someone attempted to open an account in my name. Fortunately, the individual was unsuccessful yet an inquiry for this attempted account opening remains on my credit report from Equifax. Immediately upon learning of the fraudulent attempt, I contacted the creditor who stated they would make a note about the fraud. Additionally, I worked with a representative at XXXX to resolve the issue ( I have XXXX   protection because of two personal information breaches involving my information ). A request was submitted by XXXX   on my behalf to remove the inquiry. In late XX/XX/XXXX, I filed an Identity Theft Report through the FTC, filed a police report with local law enforcement, and provided a copy of the letter I received from the creditor regarding the attempt to open an account to XXXX  along with a limited Power of Attorney to complete the inquiry removal request on my behalf. These documents were provided to Equifax, requesting the removal of the fraudulent inquiry. Equifax has denied the request. Multiple requests were made in writing and by calling Equifax directly. During a call to Equifax on XX/XX/XXXX, I was told, " Inquiries are factual and Equifax does not remove factual information. '' I explained a police report and FTC report was filed, and then was told they could assist with removing the inquiry. A few weeks after the call, I received an updated credit report that removed a closed account in good standing while the fraudulent inquiry remained on the report. I contacted my representative at XXXX who said, " sometimes it can take up to 90 days for the request to be processed. '' I called Equifax again on XX/XX/XXXX. During my first attempt I was disconnected while on hold for 30 minutes to process my request. When I called back, I learned my request had not been processed. During the second call I received a confirmation number pertaining to my request to remove the fraudulent inquiry. As of XX/XX/XXXX, the fraudulent inquiry continues to reported by Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The following are not authorized charged by PNC credit card and have been reported but not resolved yet. 
{$420.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX for the office visit of XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, PA XXXX
Complaint sub-issue: Account opened as a result of fraud

I am a victim of identity theft. The criminals established a " KeyBank Hassle-Free Account '' at KeyBank in my name on or about XX/XX/2021. At the same time, they fraudulently applied for unemployment benefits in New York State and KeyBank, under the New York unemployment benefits program, also issued me a " Key2Benefits '' mastercard debit card. I never applied to open either account with KeyBank. On XX/XX/2021, I called the KeyBank Fraud department to report these frauds at XXXX XXXX  EST. The fraud reference number given to me is XXXX. I also reported the fraud to the New York State Department of Labor with respect to the unemployment fraud piece of this. KeyBank Fraud team claimed to be initiating an investigation and promised to ensure that these accounts were promptly frozen and/or permanently closed. A month later, as of XX/XX/2021, I have not received confirmation that the fraud investigation has been completed or that these accounts were closed. In fact, I received a second account statement for the KeyBank Hassle-Free Account for the period XX/XX/XXXX XXXX XXXX. While there has apparently been no activity on this account, I would like written confirmation that KeyBank conducted the requested fraud investigation and closed these accounts.
Complaint sub-issue: Debt was result of identity theft

Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with Equifax and received a response that the bankruptcy stays as reported. Equifax stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.
Complaint sub-issue: Reporting company used your report improperly

I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 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. I circled everything inaccurate with red INK!
Complaint sub-issue: Debt is not mine

i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.