Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

A company XXXX XXXX XXXX XXXX with which I have never transacted has fraudulently posted a collection report on Equifax. I have disputed this with Equifax. However, Equifax failed to remove this posting on my credit report. Since I have never had a relationship with the collections company or the vendor for which the collections company is posting, I am not able to provide any additional information to Equifax on this matter. In contrast, Equifax has failed to provide any additional information on the posting. Further, I am not able to communicate with Equifax with their online platform because they apparently attribute a variety of other credit items to my file that are ( incorrectly ) being used for verification purposes. I received a hard copy of my credit report which did NOT include any of the incorrect verification questions. This suggests that Equifax online data for my file is also incorrect.
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/XXXX, I requested Pennsylvania Higher Education Assistance Agency ( FedLoan ), to present the outcome of a pending manual review to determine if five of my payments toward my federal student loans qualify for the Public Service Loan Forgiveness program. These payments were made XX/XX/XXXX - XX/XX/XXXX. 

I have yet to receive any communications from FedLoan on the outcome of a manual review of the payments made in XXXX. It has been nearly 10 months since I have inquired about the results of this manual review with no response on the outcome or a timeline when it will be completed. These payments were also listed as " pending manual review '' for Public Service Loan Forgiveness for at least a year before I formally inquired to the status of this review. 

On XX/XX/XXXX, the latest communication from XXXX, Customer Service Associate for FedLoan Servicing, was : " Unfortunately, since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. We do not have an estimated time of when this review will be completed on your account. '' I do not find this response acceptable after nearly ten months of inquiries regarding loan payments made over a decade ago. I would like to know the result of this manual review.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21, I sent a letter requesting that XXXX XXXX XXXX reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of XX/XX/21, both Equifax and XXXX XXXX XXXX have failed to respond to my request. On XX/XX/21, Equifax responded by saying they did not have my authorization even though I sent copies of my License and Utility bill. I am also speaking with them on other issues all the time, and this is not the first time they have responded to other issues, so it is false that they do not have my authorization to fix this issue. This needs to be resolved because it is negatively affecting my credit report.
Complaint sub-issue: Can't decrease my monthly payments

I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Complaint sub-issue: Was not notified of investigation status or results

error XXXX failed to report the right usage when I applied for a loan so of course that made my score off XXXX is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected
Complaint sub-issue: Debt is not yours

Collection popped up on my credit report from XXXX XXXX now in the hands of XXXX XXXX XXXX. Called and spoke with both. XXXX XXXX said i had a {$0.00} balance. XXXX XXXX XXXX claims i owe {$210.00}. The date of the debt they claim i owe for is months after i sold the home. As well as switched services to the owners. Paid my final bill at the time services were switched. Also never even had XXXX. Whole time i lived there it was XXXX. No calls or letters in the mail. Straight to collections they send me. Never before had collections or late payments in my life.
Complaint sub-issue: Reporting company used your report improperly

I took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am not aware of this issue, I have tried to call and communicate with the company, unsuccessfully .I have been a victim of data breaches and have been contacted about someone having all my information trying to purchase a phone online.I don't know if it was someone I know or a stranger. I put a lick on my credit as soon as I was contacted. 
Don't know what else to do
Complaint sub-issue: Their investigation did not fix an error on your report

I Filed a complaint with the cfpb earlier this month and Equifax ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXXf XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a business loan late payment ( not a default/judgment ) that a business creditor is reporting to my personal credit because of a personal guarantee. The loan is to the business EIN and not my personal SSN. 

Equifax should not allow this because of the way they market their data, When I apply for a personal loan, I am only able to provide personal income to the prospective lender. The lender then checks my income vs. the debt/score on my report. A business late payment on the report unfairly damages my credit because the personal lender is assuming that everything on the report is related to my personal finances. In real life, I have additional income via the business to pay that commercial loan but I can't provide that business income to the lender as I apply for credit. Again, creditors are evaluating my personal ability to pay but I am getting graded against a conflation of personal and business debt. Having business creditor payment information on the personal report is not consistent with how Equifax sells their data. 

If Equifax marketed their data to be a combination of business and personal finances, then this would be OK because I could then use business income to show my ability to pay. However, they only market their data as a personal credit score. 

It would be appropriate for Equifax to report a business loan only when the lender has received a civil personal judgment ( presumably after default and they are able to pursue this personal judgment because of the personal guarantee ). At that point, the debt is personal and should need to be paid with and considered a part of personal finances. 

But in advance of a personal judgment, allowing business creditors to report payment status to personal credit reports corrupts the data in a way that is inconsistent with how Equifax markets their data to personal lenders. It has to be excluded.
Complaint sub-issue: Problem with product or service terms changing

I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later
Complaint sub-issue: Personal information incorrect

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.
Complaint sub-issue: Funds not received from closed account

account was closed on ( approximately ) XX/XX/2018 - US BANK - XXXX all problems surrounded three transactions on XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " XXXX XXXX XXXX ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my Equifax report. However, this attempted credit card application was fraudulent and the Equifax hard pull must be removed. 

I contacted XXXX - XXXX XXXX on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted Equifax on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with Equifax on XX/XX/2019 as well as contacted XXXX  - XXXX XXXX. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by Equifax. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from Equifax, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from XXXX - XXXX XXXX on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed immediately after these multiple attempts to resolve this through the bank ( XXXX - XXXX XXXX ) and credit reporting agency ( Equifax ). 

Additionally, this XXXX - XXXX XXXX fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ENHANCED RECOVERY COMPAN XXXX Balance {$600.00}
Complaint sub-issue: Account information incorrect

I paid off a home equity credit line when I sold the property. Loancare received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through XXXX as well as a number of email and phone communications with Loancare directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. XXXX refuses to change the data, even after requiring me to send proof of the payment and closed account status. Loancare says they informed XXXX in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. XXXX says they have to go by what Loancare says because they don't know if I submitted fraudulent docs. Loancare says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX I'm filing this complaint via the CFPB on XX/XX/19 you sent a letter stating that you had completed an investigation on the Following account and the status was Verified and reporting correctly. So I want to Move forward with your Method of verification I want you to send me what Information you sent to the the creditors and what Information did they provide you back also the name and Phone number of who you spoke with because these accounts are not reporting correctly on my credit file. I will also need for you to send this information By the CFBP Website an EQUIFAXI don't want any small talk I want PHYSICAL PROOF the ftc website stated that you have 15 days to complete this request.. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ONLY SEND YOUR INVESIGATION DOCS VIA THE CFPB WEBSITE SITE
Complaint sub-issue: Account information incorrect

I had a PNC Bank credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, XXXX has not been reporting the date this account was charged off and the date of last activity of this account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Investigation took more than 30 days

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.
Complaint sub-issue: Fees charged for closing account

In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed. 

This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.

2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.

3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.