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

In XX/XX/XXXX I noticed several incorrect items on my credit reports which I wanted to have corrected. I received a reply in XX/XX/XXXX with the results and nothing I had requested was addressed. I asked for specific account information with my signature showing that these items were mine and if so, I would gladly handle them. They only replied with the fact that they were mine. I contacted the company that said they were mine and they couldn’t verify yet they said they would not remove it unless I paid. The primary issues were the child support enforcement which is the same account and shows up 3 times with negative information and was killing my score. I spoke with the CSE and they corrected the information as current never late. Credit reporting agency would not correct even after sending them the information from CSE. Another issue was XXXX  which was a medical debt which was not mine either. The dates don't match for anytime I had been in the hospital and I had insurance at the time they said that. Yet they strong-armed me again. Bully tactics. "pay or it will stay". After that complaint I received another dispute result on XX/XX/XXXX showing 7 XXXX accounts. All of which total XXXX. Coincidence? I think not. They wouldn't remove or agree that they were duplicates. I have sent multiple requests and attempts. I eventually just paid the XXXX, XXXX XXXX, XXXX, that said I owed money in order to help my credit score so I could get a mortgage and provide a better home for my family. The XXXX XXXX issue was eventually removed due to them not being able to verify that it was mine and yet it showed back up just the other day in my Equifax report. We have XXXX  young children under the age of XXXX and can afford a mortgage but due to the change in score we were no longer able to qualify for the initial XXXX and went to XXXX and finally ended up receiving a denial letter and are not able to buy the house (attached). I went from an 800+ to below 600 due to the bully tactics of the "creditors" and the improper reporting of the Credit reporting agencies. I was able to get my score back up to a mid-700 in early XX/XX/XXXX but I can’t go any higher because the child support shows up as a collection and seriously impacts my score. As of now my score has dropped to a low 600 and I'm seriously having troubles securing a mortgage and I'm paying a ton of money due to increased interest rate on all of my other items. I have never been late on a payment nor do I owe anyone. Also, some of the items would be deleted and then added right back on within a few months. Then I would have to start this entire process over again. I have spent a ton of time and money trying to handle this and I’m at my limit. Credit reporting agencies need to be held accountable for their actions. I am also filing suit against them. To this day I am still battling them to remove the CSE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.
Complaint sub-issue: Information belongs to someone else

Equifax in not responding to any of my requests to investigate and verify the accuracy of the information contained in my consumer credit report in accordance with The Fair Credit Reporting Act.
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, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has failed to act on multiple documents sent to them via CFPB as well as their online dispute services. I have sent a letter from the Creditor XXXX as well as a FTC Report. 

I am requesting immediate removal of these unauthorized inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7000.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4800.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3700.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$1500.00} I am concerned with the validity and consistency from your latest examination along with the delayed payments with regards to this particular account and exactly how it is reporting on my credit report. Just about 45 days ago I requested an investigation considering the fact that I assumed the item is not being cited recently. To my shock I been given a document showing that your examination was completed and that the item had been " validated as accurate. According to Section 1681 ( g ) take the time to grant me with a description of the technique employed to prove the account is " genuine '' and mail me the name and addresses of persons contacted in every laws in the FCRA.
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt is not mine

The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ...
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK  XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Complaint sub-issue: Account information incorrect

I've sent numerous letters to Equifax in and effort to fix my credit report. After not responding for several months and after my initial CFPB complaint have still not conducted the investigation not corrected/removed the inaccurate information from my report. This has been going on for over 120 days and I've sent most of the letters certified. Receipts were included in my CFPB complaint but apparently didn't help. To make matters worse I received a letter from Equifax ( I assume as a response to the compaint ) only addressing an account that I did not even dispute with their company and accounts I am actually disputing are still not showing as in dispute status nor have they been removed. This is extremely frustrating. What is the point of having a consumer protection bureau if they aren't protecting the consumer? Just sending my complaint to Equifax isn't working ... they're ignoring my right to dispute inaccurate information on my report and you guys are forcing them to look into it. I apologize for contacting you again but this whole ordeal has been extremely frustrating.
Complaint sub-issue: Account status incorrect

As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.
Complaint sub-issue: Old information reappears or never goes away

My auto rates are rather high, and believe old reports like tickets etc have affected my rates, and feel reports may continue to contain old information and should be removed
Complaint sub-issue: Their investigation did not fix an error on your report

This XXXX account is no longer past due or in a charge-off status. This account has been paid in full. XXXX has failed to report my on time payments to Equifax that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to XXXX in an attempt to resolve the matter. 

XXXX responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my Equifax credit report. See attached letter dated XX/XX/2022 from XXXX. 

As of XX/XX/2022, XXXX has not removed or updated this discrepant payment history from my Equifax report.
Complaint sub-issue: Information belongs to someone else

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the equifax breach has cost me my life they are taking more than 30 days not 100 % correct
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Complaint sub-issue: Information is missing that should be on the report

Credit reports requested by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  in response to my applications for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contained these " Key factors that adversely affected your credit score '' : XXXX. XXXX : NUMBER OF ACCOUNTS WITH DELINQUENCY I have none. 

RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH XXXX % is too high? every balance except BofA ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES The only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN What delinquency? There are none, and there have been none. 

NUMBER OF RECENT INQUIRIES ON CREDIT REPORT The only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX 

XXXX. XXXX : TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT What account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY ACCOUNTS WITH BALANCES Again, the only balance I carry is with XXXX ( {$5500.00} @ 0 % ). 

PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The only loans are the 3.125 % XXXX mortgage and 2.9 % XXXX XXXX XXXX XXXX. 

XXXX. Equifax : LEVEL OF DELINQUENCY ON ACCOUNTS Again, What delinquency? There are none, and there have been none. 

TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT Again, what account opening? I can't even remember when that might have been. 

AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH Again, XXXX % is too high? every balance except XXXX ( {$5500.00} @ 0 % ) is paid in full every month. 

TOO MANY INQUIRIES LAST 12 MONTHS And once again, the only inquiries have been those by potential lenders vying for this XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I  realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Debt is not yours

Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!
Complaint sub-issue: Public record

Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the three complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. 

The negative mark is still on my XXXX  credit report. 

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}