Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Equifax, XXXX and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Complaint sub-issue: Information belongs to someone else

ON XX/XX/2022 I DISPUTED THE FOLLOWING ACCOUNTS WITH ALL THREE BREAUS STATING THESE ACCOUNTS IS NOT KNOWN TO ME/ INACCURATE. THE DATES DONT ADD UP AND AMOUNTS OF THE DEBT. AS WELL AS ITEMIZED BILL THAT DOESNT MAKE ANY SENSE TO ME, DUPLICATE ACCOUNTS. I HAVE MADE SEVERAL ATTEMPTS TO RESOLVE ISSUE WITH COLLECTION AGENCY STARTING XX/XX/2022 THEY ARE NOT RESPONDING EXECPT WITH AN ATTEMPT TO COLLECT DEBT THAT IS NOT VERIFIED ACCURATLY. 
* XXXX XXXX XXXX {$650.00} *XXXX  {$140.00} *ARS {$140.00} *XXXX {$150.00}
Complaint sub-issue: Debt is not yours

Never lived at the address where service was billed was not my account
Complaint sub-issue: Information belongs to someone else

I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.
Complaint sub-issue: Can't close your account

I received an unsolicited XXXX Debit card from CASH APP. Someone used my identity and information to open the account. My complaint is in regards to how difficult it was to contact CASH APP and get them to close the account. It took me 5 days, 15 phone calls an email and finally a XXXX message to finally get someone to help me and close the account. CASH APP is very difficult to reach. When an individual is experiencing identity theft the financial institutions involved must be easy to contact and quick to react. CASH APP is none of these things. I would not trust CASH APP with any of my finances.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I discovered a credit bureau report from XXXX XXXX that I did not authorize.
Complaint sub-issue: Debt is not yours

US bank, I just received I owed XXXX dollars, I never use US bank CARD AT ALL. .. Im not aware of it until I I received note, ..I had US BANK BEFORE XXXX or XXXX when I was working but I never use it at all, I left it, when I moved XXXX, in my bf. 
My XXXX XXXX Im using it, but they keep charging it till it gets to points its higher than I owe them..I dont have work for almost 4 years but they keep charging me on it.. Im full time mom,
Complaint sub-issue: Account information incorrect

This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX. My social security number is XXXX and my date of birth is XX/XX/ my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to removed judgment from XXXX XXXX  it shows on my credit file also I filed complaint with federal trade commissions please have equifax removed this negative item
Complaint sub-issue: Company closed your account

in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.
Complaint sub-issue: Reporting company used your report improperly

After checking my credit report with Equifax, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. Equifax violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by Equifax but the problems were not corrected.
Complaint sub-issue: Investigation took more than 30 days

XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX didn't remove my public records
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am willing to pay the XXXX dollars to erase the account of my credit but they must send a letter where they say they are going to erase the account as soon as they receive the payment.
Complaint sub-issue: Problem during payment process

Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : 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 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 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 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 Equifax 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 XXXX XXXX
Complaint sub-issue: Account information incorrect

I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen a few years ago and I have been trying to get this information deleted from my credit report since that time. I did not open these accounts listed on this report.
Complaint sub-issue: Information belongs to someone else

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Complaint sub-issue: Account information incorrect

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.
Complaint sub-issue: Information belongs to someone else

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.
Complaint sub-issue: Don't agree with the fees charged

My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. 

Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX  from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX  XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX  and well over the 120 payments required for the PSLF program. 

I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX  XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX  and student loan repayment have been deemed arbitrary. 

Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose
Complaint sub-issue: Trouble with how payments are being handled

Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX - XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX  Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020 I was called by TekCollect about a medical debt that I was not aware of. The representative then insulted me and said I need to " learn how to pay my bills on time. '' When I told him that I was not aware of the debt and that I wanted to proof of the debt he then told me he wasn't going to send me anything and that I just need to pay it. I then told him that he can speak to my lawyer because I felt as if this was a scam. I gave him my lawyers number but he has never reached out to him. He then called me back a few weeks later and I told him again that I wanted this to be deleted off my credit report. He told me to pay the debt even though I had no documentation from his company showing me where this was indeed my bill. He then was very rude and told me he wasn't going to send me anything. The verbal rudeness continued for thirty minutes finally he gave me an email address of a " supervisor '' I emailed the supervisor but I still have not heard back from anyone.
Complaint sub-issue: Need information about your loan balance or loan terms

At the time of my graduation from a graduate program in XXXX, the lender ( Citi ) did not have a student loan department and was using XXXX XXXX to collect payments on the loan. XXXX XXXX demanded payment for the loan on the date of my graduation on XX/XX/XXXX but did not have direct access to my promissory note, and the Citi student loan department did not have a phone or e-mail for me to contact them- the department did not exist. I attended an undergrad program fromXX/XX/XXXX-XX/XX/XXXX, post-baccalaureate program from XXXX XXXX of XXXX, and XXXX program from XX/XX/XXXX-XX/XX/XXXX. The date the loan was disbursed was XX/XX/XXXX. The promissory note states I am entitled to a period of deferment of 6 months for undergraduate school AND graduate school, not to exceed a total duration from the disbursement date of the loan of 10 years plus 6 months for graduate AND 4 years plus 6 months from graduate school. By sending the loan to collections on XX/XX/XXXX, Citi student loans failed to honor the 6 months of deferment after graduation from a graduate program and failed to honor the 10 year plus 6 month maximum amount of time for interim period/deferment period for undergrad and 4 years plus 6 months of interim period for graduate program. 

The loan is currently in collections. I sent an email to Citi XX/XX/XXXX asking for clarification and received an automatic reply stating there are increased processing times due to COVID. I also left a voicemail on XX/XX/XXXX. On XX/XX/XXXX, I missed a call from a XXXX from Citi student loans department. He did not leave a return phone number so I sent ANOTHER email response and left another voicemail. I did not receive any responses via email. I got another return call from Citi about 1 week after my call on XX/XX/XXXX. The loan agent explained that I used all my deferment and was not eligible for the 6 month grace period after graduation from a graduate program. Upon further review, I have found this information directly contradicts the details in my promissory note. Again, I have e-mailed and left a voicemail for Citi student loan department today XX/XX/XXXX. 

This loan should NOT be in collections evidenced by wording in my promissory note, the unavailability of the Citi student loan department from XXXX when the loan was sent to collections, and the inability of XXXX XXXX ( the servicer acting on behalf of Citibank student loans ) to view or explain any details of my promissory note. Discussion with XXXX XXXX today confirms that XXXX XXXX still does not have access to my promissory note and can not provide guidance as to my deferment or grace periods. 

I would like an expedient resolution to this matter, as Citibank did not honor the details of the contract and is unwilling to rectify the situation. Multiple attempts to contact Citi via email have failed and the only way to discuss with a Citi agent is to leave a voicemail and wait up to a week for them to return the call. There is a serious lack of communication from Citibank and their resolution/explanation of the issue is inaccurate and inadequate.
Complaint sub-issue: Account information incorrect

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, XXXX, Equifax have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
Complaint sub-issue: Account status incorrect

DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?
Complaint sub-issue: Information belongs to someone else

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, Equifax, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7  ) XXXX XXXX XXXX 8 ) Capital XXXX XXXX XXXX 9 ) XXXX XXXX XXXXr 10 ) XXXX   XXXX XXXX