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

I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX ,    2017, I c hecked my cyber identity monitoring services, a service provide by  the US Office of Personnel for leaking my data.      Apparently, on  XXXX   XXXX ,    2017, I h ave a new account added to my credit report. I 've reached out to Equifax, but their website is confusing, and their phone tree and automation gotten me no where useful or easy to use. The Equifax website required a record number, which I do n't have and was n't provided to me. Their process appear to seem like they are required a credit inquiry, pulling my credit, which I declined.     I would like to file my complaint for lack of notice on both  XXXX   XXXX   XXXX   XXXX  and Equifax.     I do n't know who  XXXX   XXXX   XXXX   XXXX  is and why there is a new account of {$170.00},  XXXX . My current mortgage is at fixed rate with a local community bank called  XXXX   XXXX   XXXX   XXXX  (  XXXX  ). I make my payment through my bank direct withdrawal. I have n't receive any notice that the loan has been sold. I 've requested my bank (  XXXX  ) to provide all notice in writing to avoid identity theft and scammers these days. I have not been notified by the  XXXX . I believe this is a scam and a violation of my rights to notice and lack of consent to do business.     I would like it to be removed from my credit report, and I need the  XXXX  bank to face consequences of a formal investigation by the CFBP. I also would like them to provide proof that exactly stated that I authorized them to post this on my credit report.     Thank-you,  XXXX   XXXX   XXXX .
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Complaint sub-issue: Information belongs to someone else

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 the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX, XXXX  CARD, XXXX/XXXX, XXXX XXXX XXXX as XXXX on my Identity Theft Report attached.. Please remove all from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  is reporting a Discover Card account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, XXXX and XXXX allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}
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 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Talked to a third party about my debt

A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXXL XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax 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 XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Hill Py ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Equifax ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax informed you and I that they would be removing the iniquity from, XXXX XXXX XX/XX/XXXX. 2022 and still haven't as of yet. I also sent my Identity package as proof. 


Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Complaint sub-issue: Didn't receive notice of right to dispute

I contacted the debt collection agency and was unable to receive any information about the debt that was owed.
Complaint sub-issue: Debt was paid

I contacted ENHANCED RECOVERY COMPANY after seeing a bill from them on my credit report. They stated that I had a debt with XXXX, I initially asked about paying the debt, but then they stated they don't own the debt and will try to update. So I decided to contact XXXX where my account is closed and paid in full. 

The amount that enhanced recovery company is claiming was already paid to XXXX directly the payment confirmation number from XXXX was # XXXX
Complaint sub-issue: Reporting company used your report improperly

On X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law
Complaint sub-issue: Reporting company used your report improperly

i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.
Complaint sub-issue: Was not notified of investigation status or results

Equifax 's security breach was not reported to potentially impacted people, like myself in a timely manner.
Complaint sub-issue: Account status incorrect

I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.
Complaint sub-issue: Account status incorrect

This is a follow-up to a complaint filed in XXXXXXXX XXXX Case Number : XXXX ) for Loan No. : XXXX. Although XXXXXXXX XXXX did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for XXXX to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.
Complaint sub-issue: Trouble with how payments are handled

My federal student loans have been mishandled by my loan servicer, Fedloan Servicing, resulting in an inappropriate interest capitalization of {$50000.00} applied to my principal balance in XXXX XXXX. I request that this sum be removed from my principal balance. As a result of this error approximately {$10000.00} excess interest has accrued on my account as of XXXX XXXX, XXXX. 

Background : I am enrolled in an Income Driven Repayment ( IDR ) program facilitated through the Department of Education in conjunction with my loan servicer, Fedloan Servicing. Under the umbrella of IDR, I am enrolled in the specific loan repayment program known as Income Based Repayment ( IBR ). Income Based Repayment allows me to make reduced payments, relative to the standard 10-year loan repayment, based on my income. An additional benefit of IBR relates to the method in which interest accrues upon my loan balance. If my payments are on time and I remain enrolled in IBR by accurately completing an annual application, then interest remains in a separate balance and does not capitalize directly upon my principal balance. In other words, my principal loan balance will remain static even if my loan payments are not large enough to pay down the principal balance. Instead, the balance of my accrued interest will increase. 

In XXXX of XXXX I applied for my annual IBR renewal and submitted the requisite documentation of my income which included an earnings record from a non-profit employer. This documentation of income was rejected by Fedloan Servicing because " gross income could not be calculated '' and I was issued a rejection letter. I contacted Fedloan Servicing to inquire why this error occurred. Representatives cited the lack of a payment frequency ( i.e weekly, bi-weekly, monthly, etc. ) on my earnings record. As a result of rejection, I was billed at a level consistent with a standard-10-year-repayment plan ( ~ $ XXXX ) and my interest ( ~ $ XXXX ) capitalized upon my principal loan balance When I was notified of my rejection, I informed Fedloan Servicing that the payment frequency was, in fact, documented on the earnings record. Fedloan Servicing subsequently admitted fault and processed a refund from the Dept. of Treasury in the amount of {$3000.00} on XXXX XXXX, XXXX for the erroneous standard-10-year-loan-repayment. This documentation is verified by internal records at Fedloan Servicing. 

Fed loan servicing also verified culpability by processing an 'administrative forbearance ' which is supposed to prevent interest capitalization. This forbearance was also not processed correctly and the interest capitalization was not corrected. 

Overall, I find Fedloan Servicing 's handling of my loans to be egregiously inept and even predatory in nature. I look forward to hearing back from your office regarding your opinion on this case. Please let me know if you need any additional information. Thank you in advance for your help. 

I have supporting documentation ( letters from FLS, bank statements, phone call documentation ) that corroborates my claim.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus ( XXXX, EQUIFAX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Their investigation did not fix an error on your report

I never applied for citi account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with citi and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to XXXX under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I bought a XXXX XXXX XXXX XXXX, new, from XXXX XXXX XXXX in XXXX, XXXX XXXX of XXXX. I still currently have a loan with Ameris Bank, former XXXX XXXX. I moved from XXXX to XXXX  XX/XX/XXXX. I applied for a tag XXXX XX/XX/XXXX. To this day, XXXX XX/XX/XXXX, Ive yet to get word the title transferred to the XXXX XXXX XXXX XXXX XXXX so I can go get my permanent Tag. Ive called probably XXXX - XXXX times now and have gotten the run around from Ameris Bank. XXXX  normally only gives a temp tag up to 90 days. They went to 120 waiting on that title. I cant drive my vehicle. Im 100 % XXXX Veteran. The treatment and lack of action is inexcusable at this point and something needs to be done. I just want the tag so I can drive to get groceries, and medical appointments. Ive exhausted all of my options. Please help.
Complaint sub-issue: Trouble with how payments are being handled

I am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.