Johnade/consumer_complaints_cfpb huggingface dataset:
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 Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 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: Investigation took more than 30 days

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Complaint sub-issue: Information belongs to someone else

These accounts don't Belong to me. Please remove accounts : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Complaint sub-issue: Problem getting your free annual credit report

My Equifax business credit score for XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) has decreased drastically over the past few months, although I've made all my payments in a timely manner. There is a communications trade-line that is showing up as slow up to 60 days, with a current balance of - {$35.00} and a past due of {$110.00}. I have reached out to all of my vendors/ creditors and no one has reported any late payments. I've attempted to dispute the issue with Equifax directly. They informed me i would need a current credit report, from Equifax, but they are refusing to provide me with XXXX. The email they sent states " Currently a business credit report is sent only to companies whose files have been accessed by Equifax XXXX XXXX XXXX members. If you have received notification from an Equifax XXXX XXXX member, please provide us with additional information so that we can assist you. ''
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX XXXX Atlanta-based credit reporting and technology company Equifax said a cyber security incident may have exposed to criminals the personal information, including Social Security numbers, of approximately 143 million U.S. consumers. 

Unauthorized access to the information occurred from mid-XXXX to XXXX, says the website setup by the company, and was discovered by the company on XX/XX/XXXX. 

On this same website, https : //www.equifaxsecurity2017.com, and individual can check to see if their information was potentially affected, which, according to the company 's own site ; my information was. 
Upon discovery of this, I turned my attention to my state 's Attorney General, whose website lead me here. 

I have not signed up for the free credit monitoring ( TrustedID Premier ) they have offered, as this may force me into arbitration, as per Equifax 's Terms Of Service agreement.
Complaint sub-issue: Debt is not mine

I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid
Complaint sub-issue: Account status incorrect

On or aboutXX/XX/XXXX XXXX XXXX  ( XXXX  ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX XXXX   County bbl : XXXX XXXX XXXX ). At no time was XXXX  the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX National Association ( XXXX XXXX  ).

On or aboutXX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX.

Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX.

The lender, XXXX was closed by the Office the Comptroller of the Currency onXX/XX/XXXX.

On or about XX/XX/XXXX a TILA Notice of Rescission was sent toXX/XX/XXXX and also registered with the XXXX   XXXX. There were no timely action or any action taken by XX/XX/XXXX to set aside the Rescission. XX/XX/XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received.

I am seeking your help to have XX/XX/XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent toXX/XX/XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XX/XX/XXXX demanding that they cease making credit reporting to the bureaus.
Complaint sub-issue: Can't temporarily postpone payments

In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.
Complaint sub-issue: Received bad information about your loan

I started qualifying employment for public service loan forgiveness in XXXX of XXXX. According to NSLDS, my Direct Subsidized and Unsubsidized Consolidation Loans were disbursed on XX/XX/XXXX and I went into repayment on that same date. Since that time, I have made on-time qualifying payments every month for a total of 110 qualifying payments on each loan. This mean I should be required to make only 10 additional qualifying payments in order to obtain forgiveness on the remaining balance due. 

My FedLoan Servicing account indicates I have made only 70 qualifying payments on the Direct Subsidized Loan and only 71 qualifying payments on the Direct Unsubsidized Loan. 

I submitted requests to FedLoan Servicing online to ask someone to look into this issue on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have received automated confirmations that my inquiries have been received. However, I have not yet received actual help.
Complaint sub-issue: Threatened to take legal action

This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately
Complaint sub-issue: Account information incorrect

The FCRA states that all information reported on a credit report must be % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Account # : Incorrect/ inaccurate Date Opened : incorrect/ inaccurate Balance : incorrect/ inaccurate No. of Months ( terms ) : incorrect/ inaccurate High Credit : incorrect/ inaccurate Past Due : incorrect/ inaccurate Last Reported : incorrect/ inaccurate Comments : incorrect/ inaccurate, not consistent Date Last Active : incorrect/ inaccurate Date of Last Payment : incorrect/ inaccurate incomplete
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX continues to report the attached XXXX XXXX account without a date of last activity. 
Remove account, after verification, the XXXX  is still not reported. That is a violation.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting ACT XXXX  Account XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX has ben 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 WRIITEN INSTRUCTIONS.

15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt is not yours

This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.
Complaint sub-issue: Information is missing that should be on the report

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my XXXX file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA XXXX ( XXXX U.S.C. XXXX ), the XXXX XXXX XXXX XXXX XXXX to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXX, XXXX XXXX Balance {$83.00}
Complaint sub-issue: Information belongs to someone else

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.XXXX XXXX is a fraudulent account
Complaint sub-issue: Account status incorrect

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I continue to receive calls from a company identifying themselves as XXXX. They have advised me it is for a debit for credit card to Best Buy. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
Complaint sub-issue: Account status incorrect

I filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX  years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Policy number XXXX has violated my rights 15 U.S.C 1681 section 602 A indicates 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: Investigation took more than 30 days

I've Contact Equifax For Several Months Asking Them About A Account On My Consumer Report Account # XXXX ( XXXX. XXXX ) It's Been Well Over 120 Days And I Filed A CFPB Complaint Against This Company Because Federal Law States If No Evidence Is Provided Within 30 Days The Account Has To Be Removed From My Consumer Credit File Equifax Is Committing Identity Theft This Company Closed My Complaint Out And Gave Me A " Generic '' Response This Is Unbelievable How Can Equifax Furnish This Account On My Consumer Report And I Never Gave Them Written Instructions Also They Have Failed To Even Send Me Any Contract With My Name On It I Haven't Received Any Valid Proof This " Alleged '' Account Is Even In Fact True This Is Sad That Equifax Is Taking Advantage Of Consumers Making Money Off " Alleged '' Accounts Then Refusing To Remove The Accounts And Also Not Providing Proper Documents I'm Livid With This Company And CFPB Needs To Do Something About It You Can Not Take Your Company Rules Over Federal Law!! I Demand This Account Be Removed Now!!!!
Complaint sub-issue: Problem using a debit or ATM card

I never got a follow-up response from XXXX at Discover, regarding transactions and a negative balance. She told me they will look back into it and I never received an updated response. It has been over a month.
Complaint sub-issue: Problem getting my free annual report

I was unable to get a free credit report from ANY of the XXXX companies at www.annualcreditreport.com. I believe this is by design. They ask questions the average person can not be expected to know ( for example the year your home was built for apartment renters, partial phone numbers of relatives, etc. ) and then refuse to provide a report based on the answers, unless you jump through many more time consuming hoops. They make the process unnecessarily difficult. This website was obviously put up to create the appearance of making an effort to comply with the law, while avoiding actually doing so as much as possible. It 's abusive.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX USA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

11. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

12. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/XXXXPlease remove it from my credit report.

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

14. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

17. Identity Theft XXXX XXXX Account Number : XXXX  Please remove it from my credit report.
Complaint sub-issue: Debt is not yours

I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?
Complaint sub-issue: Personal information incorrect

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.