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

Equifax continues to violate my under the FCRA 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

Equifax stated the account listed bellow was verified, how is that possible if they did not do a proper investigation? Every piece of information on this account is still not reporting 100 % accurate. By way of their own report dated XX/XX/2022 shows the account has not been verified since XX/XX/2022. Since more than 30 days have passed since I head from Equifax the FCRA 623 ( b ) ( 1 ) clearly states The credit reporting agency must respond to the dispute within 30 days or delete the disputed information from their files. Equifax clearly failed to do so as required by law. By way of their own admission via a letter dated XX/XX/2022 they are refusing to investigate this disputed item, far different from what they stated to the CFPB in a previous complaint. NOW IS NOT THE TIME TO VERIFY THIS INFORMATION, IT MUST BE DELETED AS REQUIRED BY 623 ( b ) ( 1 ) Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Hi there, I noticed that unfair credit practices happened with Equifax and XXXX. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given XXXX points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.
Complaint sub-issue: Received bad information about your loan

In XXXX of XXXX, I was notified when I logged into my loan servicer, FedLoan Servicing, that the policies regarding the XXXX XXXX XXXX XXXX XXXX had been changed to make payments easier for those making payments to qualify for the program. I read on about this on my servicer 's site and, wondering if any payments I hade made outside of the grace period in the past would now qualify, I wanted to learn more. I was led from FedLoan Servicing to the Federal Student Aid website, which notified me that the loans I had through XXXX XXXX XXXX now could qualify for forgiveness, as they had not before, if I reconsolidated my loan. I did this. 
After doing so, I had submitted the XXXX & XXXX Certification and Application after my current employer filled out their requered information. I faxed this to the U.S. Department of Education-Fedloan Servicing on XX/XX/XXXX. I was then notified in XXXX that they had received this information, however, that my loan was also approved to be reconsolidated with my current loan through FedLoan along with my American Education Loan, bringing my total owed amount to {$52000.00}. This was fine, however, in XXXX I had received another letter stating that the loan that was reconsolidated now no longer counts for the past XXXX  years, and that my considered forgiveness date, if qualifying for the XXXX XXXX, would be XXXX. 

I have been in repayment at my current non-profit position for the last going on XXXX  years. For the last XXXX years, my payments would have counted towards the XXXX XXXX, leaving me at being able to potentially have my loans forgiven XXXX. I was not aware in any shape or form that, while being notified my AES loan could qulaify for the program now under the new policies, that reconsolidating this along with my already current qualifying loan would start my entire process over, leaving the last XXXX  years of payments not mattering at all. With discovering this, as I had previously stated, I have attempted to contact FedLoan several times to no avail. I work a full-time position to where I can not be on hold for hours at a time. When given the opportunity to get a call back and keep my place in line, I opt for this option, however, the message will start over again and to no avail, this is really not an option that is successful. It just continues playing again and again despite selecting that option. I have emailed FedLoan XXXX  now, XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. 
I believe that the information presented about the program was not clear, and that this information led me to make a decision that affected the last XXXX  years of payments, and is unfair to not only me but anyone else that has possibly experienced this. 
I have all letters I received throughout this process and copies of the emails I had sent to FedLoan servicing. I also have the letters that state which of my loans in the past had qualified prior to submitting my most recent recertification form.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}
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 USC 1681.

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 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 1681 s-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. 


XXXXXXXX XXXX ACCOUNT XXXX
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis has violated my rights to privacy. 
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 XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy 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 : It also 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 XXXX years. 

15 U.S.C 1681 Section ( 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: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

Citibank N A is an unauthorized inquiry. Please remove within 30 days.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX. I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a confirmation ( # XXXX ) letter dated XX/XX/2020 from Equifax regarding XXXX XXXX XXXX ( Account # XXXX ) informing me that my dispute for inaccuracy and incomplete information regarding was complete. 

In the letter ( pg. 3 attached ) it is noted by Equifax, the date of last activity has been updated. In the letter ( pg.4 attached ) the date of last activity field is missing the information Equifax stated was updated. 

I have previously asked them to remove account due to inaccuracy, which is now required by law, under the FCRA Sect 611. Request for immediate deletion of account from my credit file due to unverifiable information, per FCRA Sect 611.
Complaint sub-issue: Information is not mine

I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.
Complaint sub-issue: Reporting company used your report improperly

My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX
Complaint sub-issue: Problem accessing account

I have tried multiple apps today XX/XX/20 to connect my bank to and they wont let me attach my bank to them. I left XXXX XXXX and started with them and I can not use plaid to connect my bank to the apps that I had been using with XXXX XXXX. I think this is XXXX. Its my money and if I want to connect my account to something I should be able to.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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: Talked to a third party about my debt

Did not try to call me to fix problem.
Complaint sub-issue: Old information reappears or never goes away

I am writing you to delete the following information off my credit profile, the items I need deleted are listed in my report. I am a victim of identity theft and did not make the charges. I ask of you that the statement be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I also enclosed copies of my report to the federal trade commission identity theft affidavit. I would appreciate it if you could please delete the items as soon as possible. As it is hindering me from advancing my life style to provide for my family
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right now?/
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove inquire ( S ) below, as I didn't give any companies access to my report ; please block or remove these listed below 1.XXXX XXXX, XXXX XXXX 2.XXXX XXXX, XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXXXXXX
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 writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this, I am now asking you for more information regarding this particular account in question. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 5 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 Equifax is 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below needs to be corrected : XXXX XXXXXXXX
Complaint sub-issue: Debt resulted from identity theft

This is not my account and I am unaware of this account.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.
Complaint sub-issue: Other problem getting your report or credit score

I have tried to use my FCRA rights with all three credit bureaus ( XXXX, XXXX and Equifax ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, XXXX, XXXX and anyone else 's that would listen I want AGAIN after I sent letters XXXX months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXX XXXX XXXX, XXXX XXXX XXXX ( same ). Job, ( same ) I worked 30 years, I sacrificed all of those years with being a police officer, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deserve them to get my credit correct!
Complaint sub-issue: Account status incorrect

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with this company ... XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX  XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.