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

On XX/XX/2022 I sent Equifax  A letter asking for their method of verification for a bankruptcy reporting my report. I ask for all supporting documents From the Furnishers verifying this information from their investigation and The name of the courthouse and the name of the person from courthouse to verify this information. They didnt send me this information I asked for. I will include the letter they sent me back. Please help me get this information from EQUIFAX.
Complaint sub-issue: Account information incorrect

On XXXX, I sent a certified letter to Equifax disputing inaccurate reporting of three accounts ( XXXX Bank XXXX and XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on I.Q. DATA INTERNATIONAL which openedXX/XX/2020 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Old information reappears or never goes away

The age of the account ending in XXXX is old and outdated. It is over XXXX XXXX XXXX. The account needs to be removed from my credit report.
Complaint sub-issue: Can't decrease my monthly payments

As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.
Complaint sub-issue: Information belongs to someone else

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXXXXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX XXXXXXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXXXXXX 's refusal to release me from the fraudulent debt.
Complaint sub-issue: Their investigation did not fix an error on your report

For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.
Complaint sub-issue: Personal information incorrect

Equifax it's reporting an address in Texas that is not mine I've never lived there. I've been in Florida since the mid 90s. I have tried to dispute this with them but they find no issue and do not remove it from my credit report. I want to file a complaint against them and have this resolved for them reporting inaccurate and false information. This is tide 2 a company as well in Texas I believe that this might have something to do with identity theft This is why I'm concerned please help me in this matter with Equifax.
Complaint sub-issue: Information belongs to someone else

I pulled a copy of my credit report because of Covid 19 and I found an account and some names that did not belong to me.
Complaint sub-issue: Inadequate help over the phone

I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...
Complaint sub-issue: Information belongs to someone else

i have been a victim of identity theft unauthorized accounts opened under my personal information XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. I sent XXXX several photos depicting the issues in the apartment during the lease term as well as documents I had sent to the leasing company disputing their charges. The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.
Complaint sub-issue: Received bad information about your loan

To whom it may concern, I submitted a request to FedLoan Servicing to update the number of qualifying payments I have made towards my public service forgiveness program. They keep denying my request to update despite me having provided the required information. ( see attached documents which clearly lists my employers name and address, the fact that I am still employed at the organization and the date the document was signed by my HR department ). Additionally, the first letter that I received from FedLoans stated I was only missing the name of the institution. After this information was added and the document was resubmitted suddenly more information was missing from the exact same document I had initially submitted. This does not make sense. I had to file a complaints last year to get my number of qualifying payments updated. This company does not want to provide their customers with something as simple as providing the accurate number of payments an individual has made towards a forgiveness program. 

Best, XXXX XXXX
Complaint sub-issue: Account information incorrect

This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA 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 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
Complaint sub-issue: Didn't receive services that were advertised

Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.
Complaint sub-issue: Received bad information about your loan

Annual re-certification of income for Income-Driven Repayment ( IDR ) plan. This happened in XXXX and is happening again ( XXXX-XX/XX/XXXX ). IDR application submitted, with direct guidance from FedLoan ( we have notes of employees, employee numbers ) as they walked us through how to fill out the application so we did not experience XXXX again - which was they denied IDR, moved our monthly payment to {$1000.00} due to some box being checked " incorrectly '' but as guided by their employee. In XXXX, they also ( after many many calls ) assured us they would expedite the application and not run the {$1000.00} payment. They processed the {$1000.00} payment, and we had to go to our bank to cancel after being assured it would not be processed. 

Back to XXXX, same thing all over again. We deliberately call FedLoan to assure we do application correctly to avoid XXXX situation. Then they deny application, again after following each of their steps they directed, We talk to them and the most recent rep walks us how to fix the wrong application ( again which they directed us to do ). Now after months of sitting there, and they wait until the deadline for annual re-certification and say the {$1000.00} payment is due since the applications were denied. 

Again, it is a long history but the main idea is that we get different answers from different FedLoan reps - each assuring us it will all be fixed, expedited, application is correct, etc, etc but the end result is utter failure to honestly and consistently service my loan and work towards PSLF program. The emotional stress and actual time on phone is so intense and just is not right that a company can do that to people. I can't imagine the people who don't have a partner ( like my wife ) who as a XXXX veteran is home to deal with this company. Please, please help us.
Complaint sub-issue: Account status incorrect

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the Equifax information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8300.00}, {$14000.00}, {$27000.00}, {$2200.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 

1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 

2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. 
Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 

3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?
Complaint sub-issue: Account terms

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX, Equifax, XXXX I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, XXXXand I noticed an unauthorized credit inquiry had been made. I made a dispute and got a instant decision the Inquire was mine, I called all XXXX bearus and let them know it wasn't mine.I uploaded a example from Equifax I did a dispute on XX/XX/XXXX after hours and got a automatic denial on XX/XX/XXXX 1 minute later. These practices needs to be changed within the bearus. And all XXXX bearus said " All Inquires are always true and accurate '' When I called. 

*I uploaded what Inquires needs to be removed I request that you remove the Inquires from my credit report. 

Thank you for your assistance in this matter,
Complaint sub-issue: Information belongs to someone else

There are some accounts listed on my credit that isn't mine.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was upset after I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Complaint sub-issue: Information is not mine

I have disputed it XXXX times and also called the collection card company and they refuse to take it off my report. They said that someone called in saying they were me and they had an attorney. I did n't sign for anything, this is n't my debt, something was bought online.