Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX**** ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX**** XXXX  XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax CREDIT PLUS Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  XXXX Bank  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries listed from companies that I have not requested anything. I dont understand how this is right for them to do. I let them know that I did not do this and this need to be deleted but they keep reporting. Please delete this information because this was not something I did not do.
Complaint sub-issue: Debt was paid

I was previously contacted by this collection agency in XXXX about a debt to a doctor that I do not know. I have never even met this doctor. Supposedly this is about a XXXX that I had in XX/XX/ 2019.

But all of the medical bills were related to that XXXX were paid for by my medical insurance company. This bill was paid in 2019 by my health insurance 100 % and I have no obligation to this doctor. I don't even know who the doctor is. 

I explained all of this to the collection agency called Grant & Weber. They refuse to listen to me.
Complaint sub-issue: Debt is not yours

This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Complaint sub-issue: Didn't receive notice of right to dispute

For the past several days XXXX XXXX is listing property with my street address as scheduled for a foreclosure sale in XX/XX/2020 on its web-site at : XXXX XXXX XXXX I do not owe XXXX XXXX any money, it has not sent me any written communication regarding its attempts to collect an alleged debt from me, and no alleged creditor has contacted me regarding XXXX XXXX having any right to collect any alleged debt from me.
Complaint sub-issue: Talked to a third party about my debt

My sensitive info was shared w ith 3rd party. HIPPA VIOLATION
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, XXXX removed Chapter XXXX bankruptcy XXXX from my credit report. I have several documents to prove that this was removed and have sent those documents over to Equifax, but they are still reporting this public record as accurate. I know for a fact that there is no way that they can report this account as accurate since XXXX has removed it and they have told me that they have had trouble initiating a dispute with Equifax to have this information removed. There is no reason that this public record should come back accurate since it does not exist.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.
Complaint sub-issue: Information belongs to someone else

XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and XXXX loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax XXXX loans from 2018 where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX / XX/XX/XXXX USDOE/GLELSI XXXX to XX/XX/XXXX XXXX / XXXX to XX/XX/XXXX XXXX / XXXX Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Credit card company forcing arbitration

Citi Double Cash credit card changed their benefits on XX/XX/2019, but the information was tucked as a part of the XX/XX/2019 statement, not like an update e-mail before, thus I missed the information that they no longer offered Collision Waiver for a rental car. 

We rented a car in XX/XX/2019 from XXXX and they charged us for the damage weeks after. Citibank did not respond our numerous phone calls and a letter, and we finally got their response after we filed a claim with XXXX XXXX XXXX and Consumer Financial Protection Bureau. 

They declined to credit back for the rental car damage, and reported to three credit bureaus to add " disputed by the consumer '' to our credit profile, even though we PAID all the charges on their statement IN FULL.
Complaint sub-issue: Other problem

I called to dispute a charge and request replacement card back in XXXX. Citibank cancelled my acct without my permission. They then reopened it and stated they were sending new cards. i STILL HAVE NOT RECEIVED NEW CARDS FOR MYSELF OR AUTHOIRZED USERS. then today Citibank unlocked my card and indicated i located it when I do NOT have the card any longer, and i never logged on or called and advised anybody I found the card and refuse to offer or give me credit line increase
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Called Equifax toDAY TO TRY TO RESOLVE A PROBLEM ON MY CREDIT REPORT ABOUT THEM REINSERTING A ( XXXX-charge off ) THAT THEY REMOVED AFTER A INVESTIGATION THEY DID TO REMOVE THE ITEM. 
RECENTLY I FOUND AN ITEM ON MY CREDIT REPORT THAT WAS RE-INSERTED INTO MY CREDIT FILE. YOU ARE REQUIRED TO NOTIFY ME WITHIN ( 5 ) FIVXXXX DAYS OF RE-INSERTING A PREVIOUSLY DELETED ITEM. I DID NOT RECIEVE ANY SUCH NOTIFICATION.. PLEASE DELETE THIS ITEM IMMEDIATELY ( XXXX-ChargeOff ). 
That account is associated with the fraudulent address they removed. I tried to explain that to the rep and he was very very rude and really did not care about what i had to say. I spoke to him XX/XX/2018 around XXXX Eastern time. Nobody needs to be rude to anyone when it is not called for. I think Equifax noted my account that allows them to be rude to me personaly
Complaint sub-issue: Reporting company used your report improperly

I am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.
Complaint sub-issue: Debt is not yours

ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.
Complaint sub-issue: Received bad information about your loan

Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case XXXX Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, provided misinterpreted, misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information, evidence of negligence and collusion, evidence of slight and intentional negligence.
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 confidentially under 15 USC 1681. 


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

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

XXXX / Equifax filing this complaint due to the fact that you are in violation of the FCRA XXXX   XXXX is reporting charge off on your reporting with a balance {$5500.00} ON Charge off accounts there should be no past due payments please delete immediately and send a updated credit report XXXX did delete this account for violation of the FCRA Equifax also you are reporting date of first Delinquency as XX/XX/18 But if you look at XXXX report attached they are showing a Ok for payment so this inaccurate XXXX You are reporting missed Payments There should be no missed payment on a charged off account XXXX you are reporting a ok payment on XX/XX/2018 as Equifax is showing date of XXXX  delinquency for XX/XX/18 inaccurate reporting
Complaint sub-issue: Their investigation did not fix an error on your report

I have received the response however you will not remove the XXXX collections account or and XXXX financial the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax Confirmation Number : XXXX I am tired of getting the same response : Information doesn't match our records, YET, the only information that I put into the online systems is from the report they send that's evidenced by the confirmation number ( Equifax Confirmation Number : XXXX ) Please fix this ERROR, if you want me to submit a dispute online, fix it to where I can get access.
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/20 A message was left on a co-workers phone stating to call a debt collector. When he called them back. medcah, Inc provided all of my information of my medical bills owed and electric bill owed but was paid off. XXXX tried to collect the debt by asking for a credit card payment. Im not sure how XXXX got his phone number because she has my phone number. I spoke with her two weeks ago regarding the amount she mentioned and requested a list of all account numbers so I can verify  these are in fact my bills. I never received a letter from Medcah. This has caused me major stress and anxiety. I am embarrassed that XXXX provided someone who has nothing to do with my bills all my personal information.
Complaint sub-issue: Information belongs to someone else

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I've enclosed an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted mutiple times to Equifax a letter asking them to provide method of verification for a bankruptcy they are reporting on my account. Back in XXXX I sent them a copy of the letter I received from the the bankruptcy courts letting them know that they do not provide any information to the any CRA regarding bankruptcy. 

I again sent a letter to Equifax in XXXX asking them to provide the method used to verify that the bankruptcy they are reporting on my CRA is accurate. They sent me a dated XX/XX/21, which states that they verified the bankruptcy with XXXX XXXX as accurate and that if I have any furhter questions to contact the bankruptcy court in XXXX MO, which would be the incorrect court to contact in regards to a bankruptcy in my area. 

Again they either did not investiage this or they are just lying in thier response. As you know from the complaint I filed agains XXXX XXXX they stated that this bankrupcty was deleted from my record with them on XX/XX/21. If that is the case, then there is no way the Equifax verfied this account with XXXX XXXX, or recieeved the information for me to contact a court in XXXX MO from XXXX XXXX.
Complaint sub-issue: Information is incorrect

I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a email that my social and Drivers license was exposed to a security breech with XXXX XX/XX/2021 ( I just switched phone companies because of this ) the same week I received a email from XXXX that my information was found on a Dark web. Someone is using my identity to apply for credit. I have several inquires that i didnt make on XXXX XXXX XXXX XXXX and XXXX
Complaint sub-issue: Trouble with how payments are being handled

In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. 

I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX  XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. 

When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... 

Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. 

There are a whole bunch of other issues with XXXX  XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. 

I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...
Complaint sub-issue: Their investigation did not fix an error on your report

i submitted a dispute and the credit reporting agency said they investigated with a third part witch they could not have because I have a security freeze and have documents to prove it and the court doesn't not report to credit agency.
Complaint sub-issue: Investigation took more than 30 days

FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,
Complaint sub-issue: Reporting company used your report improperly

I have reported identity theft and fraud since XX/XX/XXXX with all credit agencies Equifax made the following dates inquiries without my knowledge or legal permission 15 inquiries without my knowledge or permission XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX EQUIFAX The other complaints will by reported seperately
Complaint sub-issue: Frequent or repeated calls

I refinanced my previous loan with One Main Financial back in XXXX & I lost my job at the end of XXXX. I had been at my job for almost 5yrs. I had a payment due in XXXX & I immediately start receiving calls & I stated my situation but the calls persisted. While trying to obtain other employment, I was open & honest about my findings nut the calls got more frequently. I 've talked to several employees there but they started to get very unprofessional with their tone of voice, tactics & eventually threatened to sue plus continue to call. I 've gotten XXXX calls in XXXX day leaving messages & getting calls from different numbers at all times of the day & well into the late night harassing me. I answered strange numbers thinking it was an employer contacting me about a job & it turns out being them. I had just received a call from an unfamiliar number & it was them calling me stating I was n't being financially responsible, insisting on me selling my household items to pay them by tomorrow or they was threatening to sue. This type of behavior is uncalled for, irritating & very frustrating when I 'm putting forth every effort to find employment so I can take care of my financial responsibilities.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.