Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.
Complaint sub-issue: Account status incorrect

I went to XXXX XXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX is reporting a reposession to my report ... .By law EVERYTING should be reported 100 % accurately or it has to be deleted from my report by law ... .I have contacted them as well as all 3 bureaus 6 times to validate/Verify this account and no one can ... XXXX therefore deleted this account from my report and my understanding is that by law XXXX and equifax should do the same as this cant be validated ... they have yet to do so and i demand they do it now ... .There are multiple errors in the reporting which i have pointed out to them in the past and they have done nothing .... 

Monthly Payment : XXXX reporting {$0.00}, Equifax {$390.00} No. of Months ( terms ) : XXXX  reporting 78, Equifax XXXX Payment Status : XXXX reporting Repossession, Equifax 60 days late Date of Last Payment : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Date Last Active : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Look at the 2 year history on the bottom they do not match between bureaus ... .XXXX is actually reporting a late pay after a reposession..smh
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.
Complaint sub-issue: Account status incorrect

Data Mortgage Inc XXXX XXXX  continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the two confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX  XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Complaint sub-issue: Debt was result of identity theft

Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address. 

XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor. 

I do not have any debt with XXXX  or XXXX.
Complaint sub-issue: Investigation took more than 30 days

I contacted equifax in reference to accounts that have been lingering on my credit report for more than 10yrs a lady inforrmed me after 10yrs they would no longer show on my report not one of them is deliquent or have derogatory remarks so why does my credit report show 61 accounts with only 18 open.
Complaint sub-issue: Personal information incorrect

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX  XXXX XXXX Florida XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX Service # XXXX XXXX U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$7200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.
Complaint sub-issue: Application denied

My bank keeps refusing to approve a credit card for me most recently I applied again and the only reason stated on this letter is ridiculous excessive number of new credit obligations this is not fair its the only reason everytime I apllied for a card with them they deny me for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/XXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}
Complaint sub-issue: Reporting company used your report improperly

I have sent multiple letters to this credit reporting agency to remove/delete accounts and inquiries in their systems that they did not get my written, oral or verbal consent to report this is information. They are in complete violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Congress also makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Which is not because they are reporting things that is not accurate to me at all. In fact, in 15 USC 1681 ( a ) ( 3 ) they were not given this role. They assumed this vital role and because of their assumption they have negatively affected my life and those around me causing me severe hardship, XXXX XXXX, and XXXX because of you assuming this role. Pursuant to 15 USC 1681 ( a ) ( 4 ) they are unfair in reporting this erroneous information without first consulting with me the actual consumer!!!!

This documentation was sent this credit reporting agency on XX/XX/2022 with a delivery date via certified mail & received on XX/XX/2022. 
certified mail tracking # XXXX
Complaint sub-issue: Used obscene/profane/abusive language

I was in good standing, had some financial problems after a few deaths in the family, called asked for a deferred payment since I only owed less than {$200.00} ( XXXX more payments ) and I was n't even 1/2 through the class was told ok but they took it out of my acct any way putting my account in the negative, when I called again and asked why it happened I was cursed out, called all types of names and that I do n't want to pay. So I cancelled from credit union that they can no longer withdraw funds from my account, then that followed with more threatening phone calls until I had my number changed. Have received settlement letters with reduced price, but I wasnt even taking the class anymore and had only XXXX more payments, if they would have deferred just XXXX payment like they had agreed, instead of costing me more money in overdraft fees, I could have paid the next XXXX payments and finished the class. I paid way more than the materials and lessons I received. I even tried to tell them I would pay if I was aloud to finish the class, but that was before I was called names and receiving the threatening calls.
Complaint sub-issue: Don't agree with fees charged

NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with paying off the loan

Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. 
May you please update the 30 days past due in may Thank you very much!
Complaint sub-issue: Card opened as result of identity theft or fraud

on XX/XX/2022 I was alerted to a change in my credit report. When I checked I found XXXX hard inquiries for credit cards I did not apply for. XXXX and US bank.
Complaint sub-issue: Information is incorrect

I have contacted Equifax 3 times to remove 3 incorrect inquiries which they would not I was instructed by multiple supervisers that if I filed a complaint with the FTC and sent this and my driver 's license, letter of instruction and social security card in via fax, they would remove these. I have attached a receipt from the fax service showing successful delivery to Equifax on XX/XX/2022. 
As I provided what Equifax asked me for, they are violating my rights and also violating the FCRA as well.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I sent a letter regarding Inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60/30 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. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The consumer has not consented, authorized or benefited from any of the following adversely furnished data. Without written consent, this constitutes identity fraud XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and Equifax XXXX XXXX Up Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Leasing Desk Federal Government Inquiry date : XX/XX/XXXX & XX/XX/XXXX Equifax Inquiry XXXX XX/XX/XXXX and XX/XX/XXXX Radius Bank inquiry date : XX/XX/XXXX XXXX  ACCOUNT # XXXX CHARGE OFF XXXX  XXXX Acct XXXX Charge off XXXX XXXX XXXX XXXX Unvalidated Collection XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Ally Financial Late Payment XXXX XXXX XXXX XXXX XXXX non consented data
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Improper use of credit reporting. No evidence have been shown. Incorrect information
Complaint sub-issue: Billing dispute for services

Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged tillXX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.