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

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX  XXXX   XXXX.
Complaint sub-issue: Account status incorrect

I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and Equifax XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and XXXX XXXX  are reporting false information and I want this rectified.
Complaint sub-issue: Information belongs to someone else

THERE IS AN ALLEGED CHARGE OFF SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE- PERSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF IT.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX XXXX XXXX collection and XXXX leasing 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reporting an inaccurate credit score for me on XX/XX/XXXX dropped-37 points everything is being paid and on time, all my other credit agencies are good. I checked on XXXX XXXX and also XXXX XXXX and saw it had been dropped by no fault of mine. I see on the news others have been impacted as well, falsely reporting.
Complaint sub-issue: Problem getting report or credit score

When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( XXXX  XXXX  {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Their investigation did not fix an error on your report

I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.
Complaint sub-issue: Problem with fees

I got a 2nd credit card from Home Depot as the pushed it in the store. Citbank issues the Home Depot cards. I called to make a payment on the card and was told there was a XXXX balance on the card. 

I make numerous purchases at home depot as a contractor. Anyway I finally did find out there had been a purchse of around {$57.00} on the card which I paid if full. However Citibank had added late charges and continued to add late charges each month in spite of the fact their customer service representative had stated there was a XXXX balance. Citibank today tried to bill me {$150.00} - all late fees. Their customer service representatives are not able to do much about it because of Citibank policies even though most of them said they would eliminate if they could. They have also done what they can to hurt my credit over this matter that was caused by their customer service not seeing a balance. 

Citibank management must be a very obnoxious rude group. I will stop using their card and suggest others do as well. Card ends in XXXX and was closed today. The card number on the attached is the still open card and not the one with the late charges. I never saw the card that has the late charges but was told by Citibank customer service it ends in XXXX. They were not allowed to say the whole number.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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: Reporting company used your report improperly

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

Company XXXX XXXX Account # XXXX 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 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: Problem accessing account

On Friday, XX/XX/XXXX, I attempted to log into my online US Bank account. However, I had changed my password a couple weeks back and my browser incorrectly saved the updated passcode so I mistakenly used a previous password. After XXXX attempts at logging in, I requested a new password. However, after going through XXXX authentication and in creating a new password, I was then presented with an error message when attempting to re-log in with the new password. 

I contacted US Bank customer support almost immediately and, after speaking to an agent, I was directed to the company 's fraud response department. However, the agent I was directed to was not available and I was presented with her voice mail. 

I made several subsequent attempts to contact US Bank 's fraud response department and, each time, I would speak to an initial agent, then be referred to another agent, only to then be directed to a voice mail. Each time I was directed to a voice mail, I provided my name, phone number and account number as requested. 

On XX/XX/XXXX, at approximately XXXX XXXX PST, after calling US Bank once again, I was informed that an agent named " XXXX '' with the fraud response department was the only individual who was able to remove the hold on my account. The agent who informed me of this provided me with XXXX 's direct phone number, along with forwarding me to her. Again, I was directed to her voice mail. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, I called XXXX 's direct line. I was again directed to her voice mail. 

XXXX, nor any other US Bank agent, has made a subsequent attempt to contact me directly despite providing them with my contact information and a description of the issue I have been experiencing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Debt is not yours

My previous landlord wrongly claimed I didn't give them advance notice for moving out and therefore they renewed my lease. This is not the case and I did give them notice for my intention to leave at the end of the lease but they failed to process it, and report a termination fee to a debt collector. 
Hunter Warfield didn't resolve my dispute even though I sent them documents showing my notice to not renew the lease to the XXXX XXXX. 
In summary, the debt collector chose to report that claim and influence my credit report even though they knew it was wrong. 
Please see the attached documents on my communication and proof of me giving them enough notice. 
Notice that in attachment 1, I notified XXXX XXXX on XX/XX/XXXX about not renewing my lease which ended on XX/XX/XXXX ; more than 4 months in advance and the lease only required XXXX notice.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

These accounts aren't mine that need to be removed.
Complaint sub-issue: Account information incorrect

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a subscriber to the Equifax, XXXX, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, Equifax, XXXX, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my Equifax, XXXX, and XXXX consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with Equifax, XXXX, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) Equifax [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Complaint sub-issue: Account status incorrect

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XX/XX/XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX CO 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.
Complaint sub-issue: Keep getting calls about your loan

On XX/XX/XXXX all payments and interest should have been stopped on all federal student loans by order of the federal government. AES, my loan servicer has continued to seek payments, collect interest, and capitalize on that interest. They also say I'm 2 months past due and owe them {$150.00} on XX/XX/XXXX. They have also been harassing me with numerous phone calls resulting in me having to send all calls to voicemail. All of this should have been stopped, period.
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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}
Complaint sub-issue: Public record information inaccurate

Checkr has produced a background report for an employer that states I have two guilty convictions for charges that were indeed dismissed with prejudice after being appealed to a higher court, the presiding magistrate was commanded to recuse himself from any further cases involving me due to his complete incompetence and prejudice in handling the case. 

The DA later apologized to me personally... I have copies of my current criminal record and it reflects the info I have provided... perhaps Checkr should spend the {$20.00} to send away to the XXXX XXXX Police Records Repository who can send them accurate and correct info that does not harm my employment opportunities.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX AUTO - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SYNCB/LOWE XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Complaint sub-issue: Public record information inaccurate

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.