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

over 7 years since last payment was made -- should be removed from my credit reports
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STATE OF XXXX DEPT OF AT Child Support XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$3200.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX STATE OF XXXX OFFICE CHI XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Complaint sub-issue: Threatened or suggested your credit would be damaged

dispute this account multiple times via certified mail, Equifax & XXXX  showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.
Complaint sub-issue: Debt was result of identity theft

This debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX  name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. 
XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. 
THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. 
XXXX XXXX XXXXXXXX  on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. 
I want it taken off immediately.
Complaint sub-issue: Debt was result of identity theft

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Complaint sub-issue: Problem with personal statement of dispute

Clarity Services Clarity for Consumers XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company keeps giving false info under my SSN when trying too obtin loan.
Complaint sub-issue: Account information incorrect

I consolidated my loans with XXXX and on my Equifax report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 i disputed closed XXXX XXXX account that is currently open and paid on monthly XXXX XXXX XXXX.XXXXXXXX did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.
Complaint sub-issue: Trouble with how payments are being handled

I am making payments on my student loan to Fedloan towards Public Service Loan Forgiveness. This is a program in which your debt can be forgiven if you make 120 on-time monthly payments while working for a non-profit. Annually I file a certification form certifying my payments as qualifying towards forgiveness. 

During my last certification in XX/XX/XXXX I was informed that the payments I made of {$200.00} in XXXX, XXXX and XXXX of XXXX were not counted towards PSLF. This is a mistake as I made the payments on time and have been employed at the same non-profit where I work now for over 3 years. I called Fedloan and brought this to their attention in XX/XX/XXXX after I reviewed their records and discovered their error. I have not heard back from them in the 6 months since then. I called them about this today and was told it has not yet been reviewed and they could not give me a timeline of when it will be reviewed. In XX/XX/XXXX I also requested a list of the dates of all payments currently being counted towards PSLF and have not yet been provided this list. 

I had a similar terrible situation previously with Fedloan where payments were not counted in error. This was eventually resolved, but it took over a year. I called and emailed Fedloan over 20 times during that year and I could never get them to review their error. They only finally resolved the matter after I asked my congressman to contact them. I am very confident Fedloan has no intention of reviewing the errors on my account ever unless they are forced to by the CFPB. 

Fedloan is absolutely the worst company I have ever had to deal with. Thanks for your help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Called after sent written cease of comm

Repeated calls from different numbers and leaving voice mails. Also had details from my current credit report. I did not authorize a credit search.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX is asking me to pay over XXXX. I have not had any late or outstanding debt since a Chapter XXXX bankruptcy in 2012. My credit reports don't show any unresolved debt. They say the debt came from Citibank. What should I do?
Complaint sub-issue: Information belongs to someone else

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.
Complaint sub-issue: Trouble getting information about the card

On XXXX XXXX I was trying to pay my car note and car insurance bill and my card kept declining. I had over enough to cover the charges. I called the customer number for Credit Karma spend account, and was advised that my card account had been locked by the system. The customer service department told me they could not tell me why. The rep told me that they send a help ticket to the tier one team. They also advised me that it usually takes 24 hours to get a answer. I have continued to email, call and speak with supervisors and still have not been given a answer as to why my account is locked. My account has currently been locked for 5 days now. I have not received a call back, email, or mailed notice as to why my account is locked. The number provided to me as the customer service number says they can not give me a answer and the only thing they are allowed to do is make a email request for me. Im reaching out for your assistance because I cant get any answers on why my account is locked and I have not received a resolution to my many complaints to this company.
Complaint sub-issue: Information belongs to someone else

THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.
Complaint sub-issue: Didn't receive notice of right to dispute

According to PNC bank I am in depth {$150.00} that isnt suppose to be there. I didnt receive a mail in the mailbox until a year later, which is now a couple of months ago, that stated that I am in dept. They said that my account was closed and I owed money but I never received a mail in the mailbox to get a chance to dispute it within the 30 days ; even if they did claim to send one out. Also, there had been transactions on my account that I didnt make that I had to get disputed and I closed my account out around that time as well. I tried working my way up the chain to get some type of assistance and they just told me that there was nothing they could do about it even though the dept isnt suppose to be there and even though I never received a mail in the mailbox. Please help!
Complaint sub-issue: No notice of investigation status/result

This is a complaint pertaining to a background check completed by my employer. The company Checkr , Inc is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.
Complaint sub-issue: Information is missing that should be on the report

Equifax has purposely tried to destroy my credit worthiness by not adding positive accounts on my credit profile. They are constantly violating FCRA guidelines and when I address them about their violations they replied by saying they don't care about FCRA and They will continue to violate the FCRA. 

I have positive accounts from other credit reporting agency but those were not posted on Equifax 's credit profile that I have attached. 

Equifax is displaying biased and unfair practices towards me. Furthermore I never agreed to a contract with them to Share my personal and private information with anyone. That is violation alone by its self. I have attached the violations and exhibits below to validate my complaint. 

EXHIBIT A- VIOLATION 15 USC 1681 ( 1 ) ( 2 ) EXHIBIT B- VIOLATION 15USC 1681 EXHIBIT C- VIOLATION 15USC 1681 ( a ) ( 1 ) EXHIBIT D- VIOLATION 15 USC 1681 ( a ) ( 2 )
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/2019, I spoke with XXXX from Clear Start Today - XXXX x XXXX. She explained that the best program to consolidate my loans would be to pay {$240.00} x 4 months to lower my monthly payments for {$140.00} / month for 240 months and for one interest rate. I thought this money would go towards my student loan payments not a fee to consolidate my loans. I gave my XXXX card over the phone to make the first payment and then set up monthly payments going forward for the XXXX of each month- 3 payments have been processed. I e-signed a document for the client agreement on XX/XX/XXXX and proof of income was sent on XX/XX/2019. On XXXX XXXX, I got an email about an FSA ID that was created. On XX/XX/2019 I received an email and phone call on the XXXX stating my payment was declined and confirmed payment over the phone again using my XXXX card for the third payment. I was told this program was specific for my federal loans however I was notified by my loan provider that starting XX/XX/2019 my private loans were put into forbearance and that my auto deposit from my bank account was stopped however I never authorized this information.
Complaint sub-issue: Problem during payment process

I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help
Complaint sub-issue: Debt is not mine

I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.
Complaint sub-issue: Application denied

On XX/XX/2021 DISCOVER CARD SERVICES denied me a credit card after receiving incorrect information about me and using that to make their decision. Before they sent the denial letter, I contacted them via their website chat and alerted them that the information they collected about me was false and they said my social security number was wrong at first and ran my credit again only to deny me a second time. When the denial letter came they had my name incorrect. They willfully collected incorrect information about me, used that to make a credit application decision and did not give me full disclosure that my social security number/card was not being used as identifier but as a promissory note solely for the purposes of obtaining a loan.
Complaint sub-issue: Account status incorrect

I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I have made several attempts to contact someone in card services. I have been blocked from making many of the charges that are very serious and important to me. This charge was made by me in an attempt to see if my card was still blocked. As of XXXX XX/XX/2020 I was only permitted to make only 4 ATM withdrawals from my account. No one has been available to speak with me about this issue. The last time I spoke with someone was on XX/XX/2020. Who gave me no explanation as to why the hold was put on my account. 
I think it very seriously inconvenient for you to, without even an explanation, place a hold on my account. I never exceeded the limit on withdrawals, POS purchases, or teller withdrawals. 
I will be forwarding this email to every media and government, state office I can until I have received an explanation for the apparent lack of concern for me and my family 's well-being. 
I was just relieved of the stress this pandemic has placed on myself and the whole U.S, I expected much better treatment from the government than this. 

Sincerely, XXXX XXXX United States Citizen This is correspondence that I had with XXXX a Supervisor at card service representative of US Bank ReliaCard, on XX/XX/2020. After months without having the needed income to support my family. I finally received relief only to be again treated with disrespect. I was demeened and spoke to very harshly for no reason. When I advised the Supervisor that their procedures were unwarranted. He advised me that, ReliaCard had the right at their discretion to place blocks and hold on card accounts if and when they felt it was being abused by the cardholder. And they didn't have to give reason or explanation. 
I thought this to be very poor business practices and even worse customer service or support. At this time of poor economy in the world, why would someone have to be treated this way. I feel distraught over this situation and have very little hope in the future of the businesses.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I submitted a dispute with supporting documentation ( see attached ) Equifax to update the payment status of XXXX Loan # XXXX from 120 past due to current and paid in full. On XX/XX/2021 Equifax published dispute results verifying that the account was 120 past due ( see attached ). I have submitted this information several times proving Equifax is knowingly reporting false information and asking that it be corrected and the company has continued to refuse to forward my disputes or correct the status of this account. This constitutes a violation of the rights afforded to me under the FCRA.
Complaint sub-issue: Information is not mine

Although Equifax claims to have investigated an earlier request to block items from credit profile, I have yet to receive confirmation of blocked/removed items. The prevailing belief is that Equifax is not properly meeting its due diligent requirements. For instance, the organization is content to parrot " XXXX '' data or subcontract its due diligence to a third party vendor. Moreover, there is no supporting evidence-indicating possession of goods, services or money ( received by me ). Contrary to other credit reporting agencies ; i.e. XXXX, XXXX and XXXX, despite an abundance of evidentiary documents, Equifax has refused to block/remove select derogatory items and continues to report unsubstantiated data. 

Appropriate identity theft affidavits, police report and signed ( earlier notarized ) documents were properly executed and forwarded to your organization. Thus, the expectancy is this would allow completion of affirmative action ; i.e. block negative reporting items. More importantly, in an effort to clear self of an errant and unsubstantiated credit profile data, I seek CFPB assistance. 

Because Equifax has a systemic history of non-compliance and FCRA violations, I have little confidence in agency efforts. Thus, in preparing a formal judicial complaint, I seek ( and encourage ) appropriate corrective remedy to include removal of the following trade lines : XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT