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

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

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Complaint sub-issue: Received bad information about my loan

I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.
Complaint sub-issue: Need information about your loan balance or loan terms

I am still waiting to resolve my dispute with Fedloan regarding my identity theft application however, upon further review of my account online 2 of the 3 loans are showing up as cancelled disbursements. 2 of the student loans show the disbursements were cancelled yet I have still been responsible for the entire  balance of all these loans and when I asked Fedloan for further info they havent addressed it.
Complaint sub-issue: Reporting company used your report improperly

While reviewing my credit porfo ; ia with Equifax, I noticed inconsistent errors on my report. I have seen some one else 's credit profile and all their information. I noticed that the collection and hard inqurires on my report belong to this other individual with similar information. The last four of my social end in XXXX and I am seeing someone's report ending in XXXX. This is not okay that this company is merging two credit profiles with similar information.
Complaint sub-issue: Was not notified of investigation status or results

There are several issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items I read parts of the FCRA and I am aware of my rights
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Complaint sub-issue: Fraudulent loan

I saw that my personal information was used to open a car loan at CarMax. And this account is over charged. This is not my account. I did not open this account or authorize this account. I do not have car loan with carmax.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Other problem getting your report or credit score

The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX  sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.
Complaint sub-issue: Can't close your account

Re : First Progress XXXX. XXXX XXXX XXXX XXXX, TN XXXX Card Number : XXXX I opened an account for a secured card with First Progress for {$300.00}. I had to Deposit {$300.00} cash for them to open an account for me. 

I closed the account and First Progress never refunded the {$300.00} cash Deposit and they kept adding fraudulent bogus charges to the account After it was closed now the account is showing I owe them {$580.00}. 

I owe them nothing and again they never returned my deposit of {$300.00}. I want this account to show at all 3 credit reporting agencies That I owe them nothing and I want a return of the {$300.00} cash deposit That they received from me. 

Sincerely, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Hi, My name is XXXX XXXX and I am filing a complaint for equifax as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
Complaint sub-issue: Debt is not yours

I do not have an account or contract with you people. I have been going over the situation with Preferred lease since XXXX/2021. I have been told there is no contract and account. I have visited the local kiosk and confirmed there is no account. I have been told on several occasions the information would be updated with XXXX XXXX to take the fraudulent and erroneous delinquent account on my credit from Preferred Lease would be deleted. it has been 3 months and they have not corrected my report. They report a fictitious payment made in XXXX 2021. Again, I have no account and I never made a payment. Preferred lease will not provide me with a signed contract or validation of debt including said account where this payment was derived. Bottom line Preferred Lease is in violation as they are reporting fraudulent erroneous information to the credit bureau that is not validated. They are violating FCRA and fair debt collecting practices. They are causing unfavorable credit decisions due to the fraudulent account.
Complaint sub-issue: Transaction was not authorized

On XXXX a debit from a company named " XXXX XXXX XXXX '' charged my account twice in the amounts of {$120.00} and {$120.00}, then again on XXXX in the amount of {$150.00}. I called Direct Express ( Comerica Bank ) to advise that I did not authorize these charges, and it was probable that my XXXX  son had somehow gotten my debit card number as I take a prescribed XXXX XXXX, and he had broken into my house before and stolen my money, ID 's and bank cards. An inquiry was opened and eventually my funds were returned and a new debit card was issued, which I received a few days. As I was checking my account on XXXX, I noticed there was a new charge from " XXXX XXXX XXXX '' listed on my new debit account in the amount of {$250.00}. I immediately called Direct Express and disputed the charge, again. Again, an investigation was initiated. I have followed up nearly every day since, and have been told a variety of different things I had to do, including faxing a letter, then faxing a completed form sent to me, then told no, those weren't correct. Each time I called I was told something different. I was told I would have my money in late XXXX, then early XXXX, then late XXXX, Then by early XXXX and then that the investigation process was not complete. I have spoken to a 3 different people, including a supervisor who gave different " escalation case numbers '' Most recently, this past week, I was told that the refund was made. After many questions, it was discovered that the refund was put on the old debit card number and that I was told to destroy when I received the new number. In addition, when I called to activate the new debit card number, I was told that the old debit number and the attached account would now be closed, and the new debit card was attached to a new account. They don't know which way is up over there. I have requested that they do a transfer of the fund to my current account. I have not as yet received those funds in my open, current account. I am asking for your help in resolving this matter. I am not attaching any documentation at this time as they already have everything.
Complaint sub-issue: Their investigation did not fix an error on your report

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Complaint sub-issue: Confusing or misleading advertising or marketing

The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response.

2. Affidavit Of Debt Validation which they did not provide with their letter of response.
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information.

An Affidavit unrebutted stands as Truth.

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter-
affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .
Complaint sub-issue: Problem with personal statement of dispute

I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.