Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.
Complaint sub-issue: Information belongs to someone else

I was effected b the XX/XX/XXXXEquifax data breech, and Im still suffering because of Equifax! I have written, called, emailed and filed countless disputes, yet a lot of their information on my report is incorrect. They also allow medical bills and I believe that they are not supposed to do that especially when the account is not mine.
Complaint sub-issue: Account status incorrect

I am attaching files of the complaints that I filed. 
I show on my credit report that I am 3 months default a few years ago. I called the federal loan service and was told to send the information, which I did. I then sent it to them with more information and twice they refused to remove the incorrect information. 

I was not in default ever and my paperwork from them shows that I am in forbearance and owe them nothing.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX. 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: Credit inquiries on your report that you don't recognize

Unauthorized inquiry.
Complaint sub-issue: Account information incorrect

Our home was in forbearance. We took it off and were given three options. Bring the loan current, put the unpaid months at the end of the loan, or extend the loan and lower our payments. I'm XXXX and won't see the end of this loan, so lower payments sounded good. I was told EVERY time on at least 20 phone calls and MANY hours with US Bank that this would in no way affect our credit score. I was alerted by XXXX that US Bank flagged our account as partial of modified payment agreement XX/XX/2021. I'm guessing that is true as they extended the loan but it was never supposed to have a negative affect on our score. Our score dropped XXXX points in one day. I disputed with XXXX and US Bank. XXXX said US Bank listed the comments as true and they would not change it. We have another home we are going to take off of forbearance, will our score drop to XXXX??? 
XXXX # XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a complaint about my forever decreasing credit score.. and the investigation is now well over 30 days and still no response from Equifax. Thanks kindly.
Complaint sub-issue: Information belongs to someone else

I noticed XXXX XXXX Ser on my credit report. That account does not belong to me
Complaint sub-issue: No notice of investigation status/result

I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.
Complaint sub-issue: Old information reappears or never goes away

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.
Complaint sub-issue: Problem with fees

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX  which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX 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.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter to Equifax credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi CFPB, My complaint history is as follows : 1. I identified a fraudulent subscription on my account. 

2. I cancelled my card number with Fidelity Visa and received a new card and a new number. 

3. After receiving a new number, prior authorizations were still granted and I was charged XXXX. 

On a side note, I just checked my card and I see thousands of dollars of fraudulent subscription pre-approvals that I am not familiar with. Many are one time charges that are set as subscriptions. The law/regulation needs to change so when a card number is changed ALL subscriptions pre-approvals are voided. Prep-approvals CAN not be more than 1 week prior to the charge. 

4. I reported the fraud. 
5. My claim was denied as they responded in 1 sentence I reviewed a service 6. I called for additional documentation they agreed to send it. It was never sent. 


I have been with this credit card vendor for years and this is my last recourse before closing my account in its entirely.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Overcharged for something you did purchase with the card

No credit for a reversed transaction. 
XXXX was charged on XX/XX/XXXX; reversed on XX/XX/XXXX -- demand for payment on XX/XX/XXXX XXXX! 

Phone call did not provide solution.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1681b the permissible purpose of consumer reports. I am in distress and this matter has affected me from getting access to different forms of credit needed during this time of a pandemic. I have no choice but to seek legal remedies for this issue to be taken care of.
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$75.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Bank just responded to my XXXX  complaint & agreed that the account being reported does not belong to me. Why is Equifax XXXX XXXX continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I am XXXX. On XX/XX/XXXX my government SSI benefits became available. I live in XXXX, CA and my card was fradulently used in XXXX XXXX, about XXXX miles away at XXXX XXXX. ( cst ). 

I received 2 email alerts from DirectExpress regarding these transactions ... Automated Fraud Alert and Suspicious Activity Alert. 

One transaction for {$200.00} was successful and another for {$500.00} was declined. Both were performed at the same merchant location and on the same day, XX/XX/XXXX. I contacted DirectExpress and informed them of the fraud and confirmed I had not made these transactions. I was told my card would be reissued and that I had to submit a form in order to receive credit for the money taken from my account. 

I received an email response today regarding my complaint from DirectExpress that no fradulent activity was found, I will not receive the {$200.00} credit, and the case is closed. I have been waiting for a replacement card since XX/XX/XXXX and have not paid rent or bills, I have no money to buy food or other necessities. Their response is unacceptable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXX I attempted to use them to make a purchase to find they had both expired. I called the  customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.
Complaint sub-issue: Investigation took more than 30 days

I requested a credit investigation on XX/XX/XXXX More than 60 days have passed, and I have not received responses yet.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX Balance {$200.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  on these dates disputed below without a response or awaiting 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: Their investigation did not fix an error on your report

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Their investigation did not fix an error on your report

Why is XXXX XXXX and EQUIFAX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed collections on credit report that I do not recognize or owe. I mailed the 3 major credit bureaus on XX/XX/18 via certified receipt and Account Numbers XXXX, XXXX, XXXX and XXXX were immediately deleted, however, Equifax was still reporting the accounts. I contacted Equifax again because I never heard back regarding these accounts XX/XX/18, certified receipt again and they investigated this time and verified as accurate. I mailed Equifax again because theres no way these accounts are verified as accurate, especially since Equifax isn't even reporting the Collection Agency names on my credit report, it only has the Account Numbers listed on my credit report. I requested Verification procedures and documentation because at this point, I would like to know what and why these accounts are on my credit report. To date, Equifax still has these accounts reporting and have not investigated further nor sent me any information regarding these accounts. Per Section 609 of the Fair Credit Reporting Act, this information is to be provided upon request. These accounts need deleted. I've tried to be patient, but this is ridiculous! These accounts need deleted from my credit report.
Complaint sub-issue: Need information about your loan balance or loan terms

The loan documents the company sent me have a creation date in the margin that is long after the loan. Clearly these are not the original loan documents as the rate of interest was changed and there are no terms and conditions. Clearly these documents are fraudulent. I want the electronically confirmed copy of the originals which is required by law. 
They have obviously chosen to ignore this fact in my previous complaint.
Complaint sub-issue: Reporting company used your report improperly

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) and do not have a contract with the original creditor ( XXXX XXXX XXXX XXXX  ) they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. An this information is not accurate also. Any Medical debt under XXXX XXXX Should be removed according to the new law that was passed so this account is inaccurate an is also going against the new law that was passed
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from my credit report.