Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Right to dispute notice not received

Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.
Complaint sub-issue: Account status incorrect

I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.
Complaint sub-issue: Account information incorrect

XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Requested an investigation into this item. Asked for detailed information about this account and received nothing but generic response. Asked for re-investigation because each bureau has something different. ( Dates, amount, creditor, Status )
Complaint sub-issue: Information belongs to someone else

i discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.
Complaint sub-issue: Debt is not mine

North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.
Complaint sub-issue: Reporting company used your report improperly

I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Hi- This is a federal loan. I don't understand why this isn't deferred until XXXX, like all the other Federal loans? 

This loan was originally handled by XXXX XXXX XXXX XXXX back in XXXX during a " loan rehabilitation '' by a person by the name of XXXX XXXX who : 1 ) Communicated to me at place of employment even though collector knew the employer prohibits such communication. Also led to lower wages due to less hours worked due to long waiting times ( 30 min - 1 hr ) 2 ) Called over and over again After the " loan rehabilitation '', XXXX transferred the loan to AES ( American Education Services ). 

AES has been reporting late payments to the credit agencies & negatively impacting credit scores, even though there is a pause on federal loans. 

Is there a reason for this? I've asked them multiple times and they have not responded with any answer. 

Also this is a loan from XXXX, why is it still outstanding? Either be private or be the government. This company is profiting and benefiting from privileges given to private companies & governmental agencies without incurring any of the negative ramifications that COVID19 has left society. 


Thanks, XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I applied for a home loan with XXXX XXXX XXXX in XXXX, AL and upon the initial review it was not made known that I had two loans with American Education Services ( original {$3000.00} each, now {$6000.00} each ) that did not show a monthly payment amount. I did not notice this until the 11th hour of closing, XX/XX/2021, where closing is XX/XX/2021. Now I know why the loan consultant kept mentioning DTI. Instead of listing my actual monthly payment of {$25.00} on the credit report that I consistently paid with an arrangement due to a chronic medical issue. Before this payment, I was making {$42.00} each loan for three years straight ( {$84.00} XXXX without a decrease in principal in which documentation is attached. XXXX XXXX Loans has assessed the 1 % rule to these loans now totaling {$12000.00} which is showing a monthly payment of {$120.00}, bringing up my DTI where I have to put down 20 % instead of 16.5 %. This is very stressful, to say the least, unfair, and a violation of fair credit law. The loan consultant at XXXX XXXX XXXX is refusing to accept my request to correct the matter due to time constraints and the fact that these loans are in deferment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/2021
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1800.00}
Complaint sub-issue: Information belongs to someone else

Filed a police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: 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. UPDATE OR REMOVE THESE 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 XXXX XXXX XXXX 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 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: Credit inquiries on your report that you don't recognize

XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 
I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm resubmitting this complaint on behalf of complaint XXXX. I used auto fill for contact information and it put my daughter 's name which I was unaware of until I submitted the complaint. For verification purposes I will include my DL. Per my last complaint, I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : 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
Complaint sub-issue: Information belongs to someone else

I have been the victim of ID Theft and have a fraud account that Equifax refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified letter to LexisNexis which they received on XX/XX/2021. The letter is disputing the inaccurate bankruptcy information they are reporting on my credit report. The letter is asking for the inaccurate information be removed from my reports immediatey. 
It has been over 45 business days and no response has been giving. This is against the FCRA and this inaccurate bankruptcy must be removed from my reports immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Rental Inquiry for wrong consumer Risk Level : High ENTRATA INC got a copy of your XXXX Credit Report. ENTRATA INC made a Rental Inquiry by checking your XXXX Credit File. XXXX XXXX also made an inquiry this two companies or d/b/a. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. Alert Details ENTRATA INC XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX Rental history civil record was for a XXXX XXXX Case # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX this is fraud. I do not go by such name. The legal name is XXXX XXXX he should not have been denied as a consumer to rent an apartment based on inaccuracies. XXXX XXXX XXXX has no such derogatory record on his rental history record of evictions nor is their civil records of XXXX XXXX XXXX being taking to court by a property owner, company, or any other entity
Complaint sub-issue: Banking errors

In XX/XX/XXXX, Citibank sent me a flyer offering a XXXX XXXX miles reward for opening a new checkings account and meeting a few bank activities such as monthly bill payments. 90 days after I met the requirements for the promotion, approx in XX/XX/XXXX, I got an email from Citibank confirming that I earned the reward, and that it was going to be credited in my Aadvantage account within 30 days. However, it has been more than 2 months and Citibank has not done anything about it. 
I contacted Citibank but they sent me useless information that did not help solving this problem.
Complaint sub-issue: Reporting company used your report improperly

XXXX Equifax XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 XX/XX/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 XXXXXX/XX/XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.
Complaint sub-issue: Debt is not yours

I move from XXXX XXXX XXXX to XXXX, I phone XXXX   to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.
Complaint sub-issue: Information belongs to someone else

The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. 

XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.
Complaint sub-issue: Information is not mine

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX