Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2019, I had submitted a complaint to all CRA 's ( Equifax, XXXX and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

in accordance with the FCRA 15usc1681 the banking system is dependent upon fair and accurate credit reporting. Everything has to be 100 % accurate on my consumer report. Equifax stated my account was properly investigated, that is not possible!!! the accounts being reported differ across all three bureaus ( i have included attachments ) this is ground for removal. Equifax has also violated my rights to privacy 15usc1681 ( a ) ( 4 ). 15usc1681b ( a ) ( 2 ) also states that a consumer reporting agency may furnish a consumer report only under the written instructions of the consumer to whom the report relates. i did not give equifax permission to furnish anything on my consumer report!!! incuded is a copy of my tracking number.
Complaint sub-issue: Problem getting my free annual report

I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.
Complaint sub-issue: Old information reappears or never goes away

You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX AND THE XXXX XXXX XXXX ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.
Complaint sub-issue: Changes in terms mid-deal or after closing

When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX {$4000.00}
Complaint sub-issue: Account terms

I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.
Complaint sub-issue: Received bad information about my loan

On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.
Complaint sub-issue: Reporting company used your report improperly

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Received bad information about your loan

I have a student loan with American Education Services. They purchased my student loans at some point and I have been making payments through the XXXX XXXX XXXX Plan. 

I received a notice that I needed to renew the XXXX plan last year. I had actually already completed the process through XXXX so I was confused as to why it wasn't processed. I called AES and was advised that I needed to do a separate one with them. The person I spoke with said he could do it over the phone with me. I believe this was in XXXX. I completed the process and went through all the steps with him while we were on the phone. At that point, I was advised that I had submitted the request and my payments remained the same until I received a notice in XX/XX/2022 that my new payments would be XXXX 's the amount. I called AES to find out what happened and was told that I didn't renew the XXXX plan. The woman I spoke with advised that she saw that I did it over the phone with the processor, but it wasn't completed. She said we could do it over the phone that day, but I would still be responsible for the payment for XXXX. She was very eager to advise me to select forebarance for XXXX, but I remembered being coerced into this situation with another company who failed to tell me that if I elected forebearance my interest would be added to the principal. 

I completed the XXXX. 

On XXXX I received a letter from AES saying the following : Interest has been capitalized on the loans listed in the Loan Information section. This occurred because your forbearance, deferment, or grace period ended. 
WHAT THIS MEANS TO YOU Accrued and unpaid interest has been added to your principal balance. Your payment amount may have been adjusted to ensure your loans are paid off within the applicable timeframes. 

When I called AES and spoke with XXXX XXXX she said that it was strange, but when she looked into it she said that it was because I didn't renew the XXXX on time and if that happens then the interest would be added to the principal. 

Not only was I not advised of this at any point, but I did in fact renew on time and the person who assisted me with the XXXX application the first time failed to complete the process or tell me what steps I needed to take.
Complaint sub-issue: Problem with personal statement of dispute

I had recently reviewed my credit report and i found several discrepancies in the below accounts. I wrote to each bureau to please fully validate the reported information and remove anything that they couldn't provide signed, original contracts that correlated to the accounts in question. They didn't even look into it they just reposted the discussion from before that again wasn't looked into nor did I receive the information. 


XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$510.00} written off. {$510.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$620.00} written off. {$620.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$220.00} written off. 
Status updated XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late
Complaint sub-issue: Was not notified of investigation status or results

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I got referred by a friend to start investing with my credit cards and checking account. He asked me to send payments from these accounts to buy bitcoins through XXXX and promised me that the company will pay back the money as soon as possible. I ended up using my checking account and my credit cards way over the limit that the banks had to foreclose my accounts. The scammers made couple payments to my credit cards, but then they got returned because they came from frozen/closed accounts. They also gave checks payment, but they also got returned due to closed account. I confronted them, and they kept promising me they will handle it, but I have not received anything until this day. I ended up with about $ XXXX {$100000.00} debts because of this scam. I spoke to XXXX XXXX Fraud Department to help me with my outstanding balance of about {$18000.00} due to this scam. They told me this is not considered as a fraud since I authorized the transactions. I tried to explain to them that I am a victim of an investment scam here which I didn't realize I was at that time I authorized the charges. XXXX told me to file dispute for those charges, and I just got notified that they could not resolve the disputes and posted the charges back to my account. I also tried to dispute the charges with XXXX, but they did not help me at all. I am so stressed and frustrated here. I lost so much money because of this scam, and the banks did not help me at all with this unfortunate situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX account.
Complaint sub-issue: Company closed your account

My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX medication.
Complaint sub-issue: Their investigation did not fix an error on your report

I demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???
Complaint sub-issue: Can't use card to make purchases

ATT was my cell phone co. telephone provider. 

We agreed they charge me monthly for cell. I ended out contract in XX/XX/2020. 

I returned their cell a little after I asked them and asked they stop service. THe short delay was because I needed my new cell phone ( BEST BUY ) to transfer all the data from T cell to my new Best Buy phone. 
Making my year end review, I noticed ATT never stopped charging my credit card from XXXX on to date. I called ATT and they said they will look into it. At same time, I asked SEARS MASTER CARD to stop paying them, and also to refund from XXXX to date and STOP Paying them for any future automatic withdrawals. SEARS  refuses to put stop payments, or refund for past bills. Sear 's ' XXXX started a dispute but won't refund or put stop payments to all prior or new charges. She won't promise my a refund or stop payments claiming I signed with ATT, and sears  MASTER card can't stop making auto payments that by law she can't stop payments as it is between ATT and I to end such relation! 
So, if ATT wont stop sending me bills, and Sears Master keeps paying even if I ask them to both stop, in my mind, this is fraud. 
My sears MASTER card is enclosed in the attachment It shows the date when I returned by US Post the ATT cell, and he ate when I purchased my new XXXX phone with Best buy.
Complaint sub-issue: Account status

During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX XXXX  billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX  until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.