Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.
Complaint sub-issue: Having problems with customer service

It took my servicer, FedLoan Services, 6+ months to complete my request to continue my IBR repayment plan. I made an error on the initial renewal application - I ticked 1 box incorrectly - in XXXX XXXX and my renewal was not fully approved until summer XXXX. FedLoan said they were not able to transmit documents electronically, so I had to submit my paperwork via snail mail - there were at least 30+ days between submission, receipt and review at each iteration, then another period of time before new repayment terms would apply. Thus, my repayment options were to either default temporarily or pay the standard repayment amount of $ XXXX mo- vs my prior IBR repayment level of $ XXXX mo ( and I did not trust their advice that defaulting would have no impact on my credit rating, so I was constantly behind at the standard repayment level until the IBR renewal was approved ). During this time, customer service was vague, confusing, and inaccurate on the timing and status of my application - I spent many hours on the phone trying to understand my error, the process and get updates on when it would be resolved. It was enormously frustrating and costly. I understand FedLoan now accepts documents electronically, but given the recent lawsuit and attention to the poor service from these servicers, I wanted to add my experience to the chorus.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX 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 written instructions
Complaint sub-issue: Trouble with how payments are being handled

I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I submitted an online credit card dispute to the credit reporting agency, Equifax. 

Equifax is erroneously listing an account from XXXX XXXX/XXXX on my credit report from XXXX. 

According to Equifax, my last payment to the above XXXX XXXX/XXXX revolving credit account was on XXXX of XXXX. HOWEVER, the account wasn't charged off by XXXX/XXXX  until XXXX of XXXX. 

From my understanding, credit card companies are supposed to " charge off '' accounts 180 days after the last payment. According to these records, XXXX didn't " charge off '' my account for nearly 1704 days after my last payment ( i.e., last payment of XX/XX/XXXX, to a " charge off '' date of XX/XX/XXXX ). 

I disputed this with Equifax, stating that the timeline is incorrect, and that the negative item on my report should be removed ; as none of the other two agencies have it listed on their reports. Equifax DID NOT remove the information, and reported the information as accurate.

Making matters worse, all of this information is readily available in the " dispute results '' provided to me by Equifax, i.e, specifically the timeline and my assertion that it should be removed as XXXX/XXXX can't charge off an account 5 years after the fact. 

And last, I attached the " dispute results '' from Equifax below. In them, it shows that the " date of last payment '' was XX/XX/XXXX ( found near the top of report ), yet the account wasn't " charged off '' until XXXX of XXXX by XXXX/XXXX  ( found near the bottom of the report ).
Complaint sub-issue: Debt is not yours

I received an account summary from IC System on X/XX/2017 stating I owe {$190.00} to the original creditor XXXX. I sent a debt validation letter to IC System on X/X/2017. The letter was sent certified mail and was received on X/XX/2017. I never received validation of said debt. On X/X/2017 IC Systems reported the debt to the credit bureau as a collection account opened X/XX/2017. This is not my account. I disputed the account with another CA and it was removed from my CR X/2017.
Complaint sub-issue: Frequent or repeated calls

ENHANCED RECOVERY XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX. Has been sending me collection notices in the amount of {$8300.00}. The collection has been reported as pasted due balance. I do not know this company, and it says it was opened on XXXX XXXX. This crazy please understand that I have never done any business with company. The Company does not have a contract with my signature.
Complaint sub-issue: Account information incorrect

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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}
Complaint sub-issue: Account status incorrect

The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.
Complaint sub-issue: Problem with rewards from credit card

I opened a Fidelity credit card and they offered me {$150.00} worth of points if a spending threshold was met in the first 90 days. I met the threshold and then they promptly canceled my account and will not pay me the {$180.00} worth of points in my account.
Complaint sub-issue: Reporting company used your report improperly

My credit information is held by three major companies. Equifax was one such company that has held my records. In XXXX of XXXX thru XXXX of XXXX Equifax servers were compromised and records have been stolen. Checking with Equifax they gave me a vague answer of your records may have been impacted. This is unacceptable, in the healthcare field our records and information MUST be encrypted and can only be transferred back and forth using XXXX XXXX Transfer XXXX. Equifax has held on to my personal information and did not even have basic security set up to prevent information that is stolen from being decrypted. Checking with Equifax they have stated that my information has potentially been compromised. For a resolution I no longer want my information reported to Equifax unless they can effectively demonstrate secure IT and data practices. I am not an IT expert my field is XXXX Compliance but I learned IT basics and implement security at my own home. If any of these three companies is going to hold personal records on me I want data encryption and secure file transfer protocols, up to date IT protocols and up to date cyber security. Instead what I, and anyone else compromised, got was the equivalent of putting my financial information in a sack with a dollar sign on it and walking down XXXXhe street with it to deliver it.
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, Equifax and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax, XXXX and XXXX as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Complaint sub-issue: Didn't receive services that were advertised

I tried to contact Equifax at the phone numbers they provided and they do n't work. This company should be investigated. Their web site also puts you in circles. Terrible company
Complaint sub-issue: Account information incorrect

Equifax and XXXX both have been erroneously reporting my XXXX FicoScore as XXXX. The same low figure Equifax assigned to my account with them. Unfortunately I have been paying these two companies Equifax {$4.00}, XXXX {$12.00}. I have stopped the one with Equifax. I have contacted both these companies, explaining the fact that my XXXX SCORE IS XXXX thats a difference of XXXX points. These two if asked by a lender would provide false information regarding my credit worthiness to them. My XXXX XXXX score has been in existence for a while and therefore available to these companies that are collecting a fee for providing bad information on behalf of the Consumer, to prospective lenders, is criminal in my opinion. Amazingly enough, they both have the correct figure of XXXX for my XXXX Score. I dont know where they get their Infomation from, or even if they are working together. Its just something I find strange.

Equifax Score is always the LOWEST score of the 3 reporting Agencies scores as Ive found. My Husbands, my XXXX Equifax scores are too the lowest of the 3. Im just surprise of their attempt to bring down my high XXXX XXXX down to their LOW XXXX level. Im terminating ScoreSense because they provide bad Infomation.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I tried to get my free annual report online. The challenge questions seemed to be about accounts I did not recognize. When XXXX would not let me see my report, I sent my request in writing. Equifax wrote back to say they needed Identification and Address documents. I responded onXX/XX/XXXX, including large copies of my Social Security card and Florida driver license ( which shows my current address ). Equifax sent me a form letter, saying, again, that they need Identification and Address documents. So, today I am sending my request to them in writing again, with new copies of my Social Security card and driver license, since they may have lost the first ones.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX claims that On XX/XX/XXXX, XXXX XXXX formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX XXXX. XXXX went out of business on XX/XX/XXXX. I don't have an outstanding balance of {$73.00} with XXXX XXXX XXXX also advised that they never sent me to collections. XXXX 's practices are unethical I disputed with XXXX which removed the me from collections but Equifax continues to allow XXXX to report to my credit report even though I do not owe XXXX. XXXX advised that in response to my complaint, they have ceased collection in their office. Equifax needs to remove me from collections and not allow XXXX to report on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all 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: Debt is not yours

The debt not mine even so contacted them I think they are using wrong dates
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Several accounts are inaccurately reported on my Equifax report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the Equifax report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX & it inaccurately reports that I owe XXXX  now. Last week, it did not report that account or amount. I never owed a charge-off of {$3.00} at XXXX  and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Complaint sub-issue: Attempted to collect wrong amount

Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.
Complaint sub-issue: Problem with product or service terms changing

This is a general complaint about Equifax 's offer of " complimentary identity theft protection and credit file monitoring '' to consumers impacted by its data breach. 

Several pages on Equifax 's website describe the service as " complimentary. '' Yet the Equifax browsewrap Terms of Use include a class action waiver. 

It is not clear from the website whether enrolling in the identity theft protection program constitutes agreement to the Terms of Use. The relevant language in the terms of use states : " BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING OR PAYING FOR OUR PRODUCTS OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. '' http : //www.equifax.com/terms/ If Equifax considers consumers affected by its identity breach to have agreed to its Terms of Use by registering for identity theft protection, then that protection is not " complimentary. '' Consumers registering for it have paid a possibly high price by forgoing the opportunity to be members of a class action. The descriptions " complimentary '' would then be both deceptive and abusive.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account number XXXX has violated my rights.

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

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX 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 XXXXXXXX XXXX, 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: Personal information

I would like the incorrect name XXXX XXXX XXXX removed from the Equifax report as there has never been such a name used by me. Thank you
Complaint sub-issue: Account information incorrect

They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance is incorrect.
Complaint sub-issue: Old information reappears or never goes away

I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

Not only that the last date active doesnt match between XXXX  and Equifax but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of XXXX  and Equifax Im tired of this abused of this unfair act and ruthless actions but this credit bureaus