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

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. There are fraudulent accounts and inquiries on my credit profile that needs to be removed, immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I received an alert that equifax opened a dispute that I did NOT initiate for XXXX XXXX XXXX therefore dropping my score. Complaint number XXXX was made against them on XX/XX/18. Their careless acts can affect my ability to get a loan. I will find out what legal ramifications go along with this.
Complaint sub-issue: Attempted to collect wrong amount

this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao
Complaint sub-issue: Account status incorrect

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I sent Lexis Nexis a method of verification letter for a erroneously reporting Bankruptcy on my Lexis Nexis file, which has been confirmed was received on the morning of XX/XX/2019. Per FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I have disputed the accuracy of this item on multiple occasions. I have asked Lexis Nexis to verify this information with the furnisher or original creditor on multiple occasions. Lexis Nexis has stated its been verified previously but when I contacted the U.S Bankruptcy Court XXXX XXXX XXXX XXXX  to find out how this erroneous item got reported on my credit report, they informed me that they DO NOT SHARE ANY KIND OF INFORMATION WITH CREDIT BUREAUS OR THIRD PARTIES. So, Lexis Nexis did not and has not complied with the FCRA rules of verification. Furthermore and most important they have not complied with the FCRA rule stated above and provided me with the method of verification within the time frame allotted. Therefore this item needs to be immediately deleted and confirmation of its deletion sent to me within 15 days. At the time of submitting this complaint I haven't received any communication concerning this from Lexis Nexis. Please insure my rights are protected from any further harm this has already caused me. Thank you
Complaint sub-issue: No notice of investigation status/result

Released tax lien from XXXX County Register of Deeds filed XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX and XXXX County Register of Deeds file XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX. I relocated out of the XXXX on XXXX/XXXX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time Equifax, XXXX and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Complaint sub-issue: Problem getting report or credit score

Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.
Complaint sub-issue: Account information incorrect

Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Complaint sub-issue: Was not notified of investigation status or results

THE CREDIT BUREAUS AND THE CENTERPOINT HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.
Complaint sub-issue: Information belongs to someone else

I have disputed this account on several occasions with Equifax, XXXX  & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.
Complaint sub-issue: Trouble with how payments are being handled

I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do
Complaint sub-issue: Need information about your loan balance or loan terms

I contacted Mohela on Friday, XX/XX/XXXX to ask for a refund on my payments for my loan that had happened after XX/XX/XXXX and fell within the XXXX refund period. I was told that a refund for {$3000.00} ( my payment made on XX/XX/XXXX ) would hit my account around 30 days from the time I called. The representative mentioned the first or second week of XXXX be when I would receive a refund. I asked the agent on the phone if I could get a confirmation email or if something would be shown on my account and they said they could not do anything like that. So I have no written information besides the phone call I made because they were unwilling to assist me in that matter. 

It is now XX/XX/XXXX and I still haven't received a refund to my account with my payment. Currently my mohela account shows my payment was made on XX/XX/XXXX and does not indicate any pending refund. I have attempted multiple times to contact Mohela and I wait for an extended period of time without anyone answering the phone. There is no ability to email contact Mohela which makes it very difficult to get information to my loan servicer to guarantee that my request for a refund has been processed or will be processed.
Complaint sub-issue: Account information incorrect

I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.
Complaint sub-issue: Account status

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX there XXXX account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Complaint sub-issue: Debt is not yours

Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.
Complaint sub-issue: Account status incorrect

I previously submitted a complaint in regards to the incorrect information that XXXX agents have provided me. However, just recently I spoke with 2 supervisors who confirmed that the repossession reporting on my credit profile for XX/XX/2018 is in accurate.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to check my credit and it said that CBNA did a hard inquiry on my credit.
Complaint sub-issue: Seized or attempted to seize your property

PAR North America is attempting to seize my property on a debt that they can not validate nor verify. PAR North America has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 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, TX XXXX XX/XX/2020 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  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 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
Complaint sub-issue: Report provided to employer without your written authorization

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE AN INQUIRY FOR " FACTUAL DATA '', NOR IS IT REPORTING ANY OPEN ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO IDENTITY THEFT FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T EQUIFAX REMOVED THEM?
Complaint sub-issue: Reporting company used your report improperly

Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXXXXXX XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Complaint sub-issue: Information belongs to someone else

My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/XXXX 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 an account without my handwritten instructions.
Complaint sub-issue: Debt was result of identity theft

My personal and financial information was stolen in a 2015 data breach with XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX XXXX I have none knowledge of the usage of the accounts. I never authorized or authorized anyone else to benefit for the accounts in anyway.
Complaint sub-issue: Frequent or repeated calls

Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action
Complaint sub-issue: Information belongs to someone else

It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
Complaint sub-issue: Information belongs to someone else

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my credit karma i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I have a few things on my file that are not correct. I am having issues with the following addresses that are not correct please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like to request a new credit report as well so I can go over the remaining items and check for accuracy.
Complaint sub-issue: Received bad information about your loan

Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.