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

XXXX XXXX provide me a letter for XXXX, XXXX and Equifax to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, XXXX  and Equifax not updating my credit report and scores.? 
Also for XXXX XXXX  XXXX # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 XXXX XXXX was called in by phone on each month of the XXXX to XXXX XXXX  XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on XXXX  and Equifax.It needs to be added to XXXX and Equifax immediately. 

I am XXXX, XXXX and a US XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, Equifax and XXXX  have a business partnership with XXXX?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i did not authorize my credit to be run several times only once with XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. Thank you
Complaint sub-issue: Frequent or repeated calls

Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.
Complaint sub-issue: Account information incorrect

I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Complaint sub-issue: Billing dispute for services

I have been paying for equifax credit monitoring services for over 3 years at this time. When the breach occurred I was not informed by the company at any time. When I called on XXXX17 to receive free monitoring services and/or be reimbursed for the year I have been paying for the services since the breach, I was only offered the same services as those who were not already paying customers. 
When one pays a company for service and they do not provide ( or in this case actually do the opposite and lose your data ) then one would expect some form of recompense. Instead I was given the run around and offered only the same mediocre services given to non-paying customers. 
Services costing $ XXXX {$200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax I filed a fraud report with the FTC and CFPB XXXX XXXX XXXX refuse to accept their documents They are Government Agencys by law that is all I have to do XXXX  and XXXX XXXX XXXX refuse to except the documents
Complaint sub-issue: Trouble with how payments are being handled

My loan was transferred from Mohela to  XXXX   XXXX   XXXX . I always question why at Mohela my principal would never go down even when I paid upto {$100.00} more? Then when it was transferred I had the same problem with  XXXX . I made several inquires but was told that interest was satisfied first they would go around and around about I have a 25 year loan and I must pay fro 25 years. I told them that this was a simple interest loan and why was the overage in my payments going to principal? They told me they just pay ahead interest because it is a 25 year loan. They do this to all student loans. This is not right as all student loans are simple interest as with mine as they must follow certain guidelines set forth by the Department of education. As with my loan it states I can pay as much as I want over the minimum payment and this will reduce the length of my loan as overage of my minimum payment will go to principal including no pre-payment penalty I believe this practice is on going with in both Mohela and  XXXX   XXXX   XXXX  in fact I believe they train their customer service agents to convince all borrowers that all we can do is pay ahead  interest. If 100,000 's  of student are experiencing what I have these is so dishonest that student will never get ahead and be able to pay off debt.
Complaint sub-issue: Public record information inaccurate

I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX  was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries from organizations in which I have no affiliation with. I never authorized the companies to view my Equifax credit report. There is XXXX XXXX XXXX twice XXXX & XXXX XXXX, 2019. Then XXXX XXXX XXXX dated XX/XX/2019 and XXXX XXXX, XXXX XXXX, 2019. 2019, was especially hard because I was my mothers caregiver and she passed, so I was dealing with a lot taking care of her, then her passing so I was dealing a tremendous loss and I did not make or authorize these inquiries. Fraud alert were attached to credit reports, so not sure why I was not contacted in regards to this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXXXXXX XXXX XXXXis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.
Complaint sub-issue: Card opened as result of identity theft or fraud

Getting notification in the mail that i applied for a credit card at there store. And it wasnt me. My wallet was stolen. I called each company to let them know that it wasnt me. And they put alert on it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down
Complaint sub-issue: Debt is not mine

On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Citibank received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is Citibank refusing to update my account with a XXXX   balance to the reporting credit bureaus.
Complaint sub-issue: Debt was result of identity theft

I was going over my credit report I noticed an from AR RESOURCES BAL {$1800.00} I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. 
If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for AR RESOURCES diligent examination of this matter.
Complaint sub-issue: Account information incorrect

I've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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
Complaint sub-issue: Account status incorrect

There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP
Complaint sub-issue: Account status incorrect

Re : incorrect information dispute for XXXX Account XXXX Equifax has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

LEXIS NEXIS is reporting my personal data to Credit Bureaus, namely, XXXX, expressly, without my permission or any fiduciary appointments. This unlawful action exposes my personal credit to incorrect information, ie, Bankruptcy Reporting, where the Federal Bankruptcy Court in XXXX, Texas has stated that " We do not furnish information about any of our records to any credit bureau. '' After confronting XXXX about these " Invasions of Privacy Issues '' they stated that, " Lexis Nexis furnishes the information to them and I would need to send a letter to them stating that I do not have a bankruptcy from the court '' ignoring the fact that they already admitted that the information was furnish through a 3rd Party. 

In XX/XX/2021, I submitted an OPT OUT FORM on Lexis Nexis website with the confirmation # XXXX. I called the next business day, on a Monday, and requested a FREEZE ON MY PERSONAL DATA, which was completed and I was suppose to receive a copy of it in my mailbox, which has failed to arrive. 

Lexis Nexis Continues to furnish my information to 3rd parties, which resulted in my XXXX XXXX being repossessed in Louisiana and addresses I have not lived at or currently live at, false debts, fraud debt collection reporting and many more!
Complaint sub-issue: Account status incorrect

I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Complaint sub-issue: Account status incorrect

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and Equifax and the item has not been removed.
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 {$430.00} XXXX  XXXX # XXXX {$470.00} XXXX XXXX  # XXXX {$200.00} XXXX # XXXX {$390.00} XXXX XXXX # XXXX {$1600.00} XXXX # XXXX {$850.00} XXXX XXXX 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

XXXX/XXXX XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not owe. I had a XXXX XXXX which is why we went past due. I was advised to do a loan modification program which I did and I was told to go past due. I was told the lates would come off after we finished the Modification program. These lates are not my fault and they need to be removed.
Complaint sub-issue: Information belongs to someone else

XXXX credit reporting agency refuses to remove invalid charges that belong to someone else but me?