Johnade/consumer_complaints_cfpb huggingface dataset:
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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE 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  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;
Complaint sub-issue: Information belongs to someone else

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
Complaint sub-issue: Their investigation did not fix an error on your report

I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.
Complaint sub-issue: Account status incorrect

LENDING CLUB CORP reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out LENDING CLUB SOLD my loan to XXXX XXXX on XX/XX/2019. I contacted XXXX immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from XXXX that my account PAID IN FULL. therefore Lending Club should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which Lending Club refuse to do & keep negative mark on my credit history.
Complaint sub-issue: Debt is not yours

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what's really happening? Please help me out! 

This Collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX Privacy Hotline and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Complaint sub-issue: Information is not mine

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards
Complaint sub-issue: Deposits and withdrawals

I sold my house in XXXX XXXX GA on XX/XX/XXXX and I had two separate wires done. One to my closing attorney in XXXX, Fl and the other to my checking account at Ally Bank. On the XXXX, I had to pay off my debt with XXXX and pay for a good use car, as well as other minor expenses. However when I met the movers at my condo in XXXX the next day. I couldnt use my debit card to pay, when I called Ally they said since it was a new account I only could have a {$500.00} spending limit for 90 days?! And they suggested to me that I could send the money by XXXX, when I tried to send the funds to my mother who had an account at XXXX. They locked my account and when I called they told me that I couldnt send funds to another bank. They were the ones that suggested it in the first place. They have restricted my access and are supposedly investigating it. I am locked out of my account for almost a week and every time I tried to call for an update they give me a different time on when I should know something and Im fed up with this. This is my money and I havent done anything wrong. If I dont pay my movers soon Im going to loose everything including priceless heirloom pieces. I dont know who to turn to for help. I need access to my funds so I can live my life and take my funds away from Ally Bank. Please help me resolve this! I havent done anything wrong. It would of been a week since XX/XX/XXXX since this has happened and banks are not supposed to hold money hostage for this long. Please help me!
Complaint sub-issue: Account information incorrect

I HAVE CALLED EQUIFAX FOR WEEKS NOW RECARDING A LATE PAYMENT BEING POSTED TO AN ACCOUNT THAT HAS BEEN CLOSED SINCE XXXX. THEY SAY THEY ARE NOT SHOWING ANY LATE PAYMENTS REPORTS THIS YEAR ; SPOKE WITH THE MORTAGAGE COMPANY, WHICH THEY GAVE ME A LETTER STATING ACCOUNT CLOSED AND NOT REPORTING ANY LATE PAYMENTS. IM TRYING TO BUY A HOUSE AND THIS IS STOPPING ME FROM DOING SO, ITS INACCURIATE INFO. 

ACCOUNT IS XXXX OPENED IN XXXX AND CLOSED IN XXXX SHOULD NOT BE REPORTING ANY ACTIVITY OR LATE PAYMENTS. NEED TAKEN OFF ASAP, PLEASE!
Complaint sub-issue: Reporting company used your report improperly

An accordance with the fair credit reporting act XXXXt has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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: Their investigation did not fix an error on your report

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal financial information was compromised during the security breach of millions of people 's information at Equifax in XXXX 2017.
Complaint sub-issue: Information is not mine

Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I am currently refinancing my VA home loan. On XX/XX/XXXX, I received my credit score from Equifax ( whom I subscribe monthly to ). They stated my score was XXXX. ( see attachment 1 ) On XX/XX/XXXX, the XXXX XXXX ran a credit score and Equifax reported a score of XXXX. ( see attachment 2 ) As I do not subscribe to the other credit bureaus, I can not state if they reported different scores.The difference in scores raises my closing costs by more than {$1000.00} per the lender. 
In addition, in XX/XX/XXXX I bought a motorcycle, in XX/XX/XXXX I bought a house and XX/XX/XXXX I bought the house I am refinancing. On all of the purchases, the scores reported were different also. At that time, I called Equifax and tried to resolve the problem. They argued with me and told me there nothing they could do as the info was reported based on their computer program. I did not file a claim with you because I as was told you already had a law suit against them. 

When I noticed the same problem this time, I contacted your office again and was told the suit was settled. Please see your ARTICLE 1422 CFPB ORDERS XXXX  AND EQUIFAX TO PAY FOR DECEIVING CONSUMERS IN MARKETING CREDIT SCORES AND CREDIT PRODUCTS. 

Thank you for your help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent Equifax a certified letter disputing a late payment reported in XX/XX/2018 on an account with XXXX XXXX XXXX. The certified letter was delivered on XX/XX/2018 ( delivery confirmation receipt attached ). In that letter I stated this was a formal dispute & requested validation, made pursuant to the Fair Debit Collection Practices Act & the Fair Credit Reporting Act, within 30 days of the receipt of the certified letter. 31 days after the date of delivery ( XX/XX/18 ), I obtained another copy of my credit report to ensure Equifax had added a notice of dispute on the account, which they had NOT. Equifax is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and by not placing the disclosure within the REQUIRED 30-day period. I have sent Equifax a follow up letter stating the companys violation of federal law, by not properly marking the XXXX XXXX XXXX account with a proper notice of dispute within the required timeframe & that they now must remove the item from my credit file. FCRA 623 ( a ) ( 3 ) - Responsibilities of consumer reporting agencies of information [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Complaint sub-issue: Debt is not yours

I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.
Complaint sub-issue: Other problem

This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting a collection on my credit file and the first report I pulled from my monitoring site shows NO company or contact information. It only shows an account number of XXXX I have yet to hear from Equifax about anything I disputed and it's been 4 or 5 months. I started to settle some of the things I know belong to me but this unnamed account had no information to call to even validate the debt. I requested a report directly from Equifax hoping it would give the needed information since my monitoring site did not. When I received the report they show the name of the collection company as XXXX XXXX XXXX XXXX with a contact number of XXXX when I called that number they said they had no record of my SS # and the report I received indicated it was a medical bill and the representative at this company said they do not collect medical debt!
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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: Account information incorrect

I have reached out to XXXX in regards to two collection accounts on my credit report from I.C. System INC. I have contacted XXXX and XXXX and they have removed these negative remarks but for some reason, XXXX has not. I did not have a procedure with XXXX XXXXXXXX XXXX and not sure why I can't have this removed and it's in collections. The amounts in question on the report are {$380.00} and {$300.00}.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting me as an authorized user on this account which i have no knowledge of ... I have never to my knowlege been an authorized user on anyones caredit card ... ..i have tried multiple times to dispute this with the equifax as well as XXXX and it comes back verified ... see attached report they have not even added a comment saying the account is in dispute so how have they even conducted a proper investigation to come back and say its verified..the answer is they havent ... i demand that this be deleted immediately
Complaint sub-issue: Was not notified of investigation status or results

XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.
Complaint sub-issue: Account information incorrect

The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.
Complaint sub-issue: Problem accessing account

While applying for a mortgage, my lender attempted to verify the deposits in my account. They were told that I needed to request the verification myself. 

When I called, I was told they would not help me. Instead, they wanted to know my rate and said they could get me a better mortgage. When I asked to speak with the manager, she said she was the manager. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX It is my understanding that my bank is required to provide me a verification of deposit upon request.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1900.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX FL ) XXXX Owed : {$340.00}
Complaint sub-issue: Trouble with how payments are being handled

I requested my student loan payments made during the XXXX payment pause to be refunded on XXXX I was told by the agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XXXX XXXX XXXX 

My loan was transferred from FedLoan to XXXX during the payment pause. I paid {$4200.00} to FedLoan ( XX/XX/XXXX- XXXX XXXX, 21 monthly payments of {$200.00} each ) and {$1600.00} to XXXX ( XXXX - XX/XX/XXXX, 8 monthly payments of {$200.00} each ). 

The XXXX balance was restored on XX/XX/XXXX and direct-deposited back into my account. However, the FedLoan balance remains pending after 105 days. When I have called to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, they are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money from me without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and XXXX. This is unacceptable.