Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reinserted previously deleted info

I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.
Complaint sub-issue: Debt is not yours

Numerous calls to cell phone for another person who allegedly owes money to XXXX. Advised them that the person doesnt own this number and we have never owned a XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within XXXX  days gives reason to immediate removal of those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX Acct # XXXX xxx XXXX. XXXX Acct # XXXX XXXX. XXXX ACCT # XXXX They have violated my rights. 

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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: Public record

I contacted Equifax by phone on Thursday, XX/XX/XXXX, and today, Tuesday, XX/XX/XXXX to dispute my Chapter XXXX dismissed bankruptcy I filed XXXX over seven years ago. 

I requested " verifiable proof '' by Equifax. I am entitled to the " verifiable proof '' by Equifax under federal law. The agent with Equifax , stated today XX/XX/XXXX, that they have no " verifiable proof '' as to why they are still reporting the Chapter XXXX, and to legally report my bankruptcy for three more years. I requested with the agent to have Equifax mail me a letter in writing, stating that they have no " verifiable proof '' to report this bankruptcy for 10 years. The agent hung-up on me today, and the first time I called on XXXX XXXX, the agent also hung-up on me as I was giving the agent information on my file to dispute the bankruptcy. 

The credit bureaus do not tell their consumers that their is a federal law which requires them to have " verifiable proof '' to report bankruptcies past the reporting period, and to provide that information to their consumers if it is requested by the consumer. My Chapter XXXX has been removed XXXX two months ago, but Equifax has a policy to report Chapter XXXX if it is dismissed up to ten years. 

Equifax needs to now remove this bankruptcy from public record on my Equifax file if they do not have " verifiable proof '' to continue reporting this bankruptcy under public record. I am retired senior, and I can not obtain financing to borrow funds to have needed dental work done due to this bankruptcy. The reporting by Equifax is still casting a dark shadow on my credit, and I have patiently waited over seven years for good credit so I can borrow funds if needed. Equifax does take into consideration that they play with people 's lives when it comes to their credit. 

Equifax needs to remove the Chapter XXXX from my file, or have them provide me with " verifiable proof '' that they do have a legal right to continue reporting this bankruptcy, otherwise, if they can not support the documentation, they must stop reporting the bankruptcy, and delete this information from public record on my report. Thank you.
Complaint sub-issue: Information belongs to someone else

Discover Card is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a Discover card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX XXXX however, I have confirmed the existence of these accounts with XXXX and XXXX
Complaint sub-issue: Debt is not mine

Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified
Complaint sub-issue: Information belongs to someone else

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Complaint sub-issue: Information is not mine

Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

Greetings, I have previously contacted Equifax, XXXX, and XXXX   informing the company that I have been a victim of identity theft/fraud. Equifax, XXXX, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX failed to fix error in report. XXXX reported late payment but I had already gone to XXXX Store at XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CO XXXX XXXX ( XXXX ) XXXX many months prior to close account and then again to talk to store manager to have payment cancelled which he agreed to do. I then sent Debt collector a letter explaining all this with necessary info from XXXX store. Debt collection has not responded.to this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Trouble with how payments are handled

Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Banking errors

I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account. 
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.
Complaint sub-issue: Information is not mine

I received a copy of my Equifax report and was informed there was a charge for {$32.00} from XXXX XXXX XXXX from XXXX ; however, no additional information was available. 
I have no idea who or what this charge is for. I have never received a {$32.00} past due medical bill, so I can only conjecture it was a fraudulent charge ( either mixed up with a similar name or incorrectly assigned to me. ) However, I also wanted to make sure that it was not a bill that I had never received and had been sent to collections. IF it were my bill I would be willing to pay the actual amount - but I never had received anything. 
Last week XXXX XXXX XXXX ) I called XXXX to request details- stating I had no idea what this charge was for, and asking for a return phone call, and clarification. 
I have NOT received any response, therefore I can only assume it is a fraudulent charge!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Pro Collect Has told me that they do not have to provide me with papers I have supposedly signed from a debt that i do not owe 3 years ago. I did not even know existed they were rude and told me they will send me mails and call monthly until paid. they are rude and provide no proof of what i supposedly owed. the Apartments were no help also stating they could not find my record are my lease.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I used my Coinbase Debit card to make a purchase from XXXX XXXX XXXX, and international merchant. The payment processor for XXXX, XXXX, stated they could not process the payment, however the payment came out. I contacted XXXX and they say it would be canceled and refunded within 10 days. The payment shows canceled but the funds did not return to my Coinbase balance. XXXX is saying Coinbase is responsible and Coinbase has not resolved the issue and is not responding to my communication.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

- FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Personal information incorrect

Incorrect and Inaccurate information on my consumer report
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from my credit file. XXXX has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXI XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Can't temporarily postpone payments

I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.
Complaint sub-issue: Public record

I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once XXXX, not twice.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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: Attempted to collect wrong amount

I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
Complaint sub-issue: Problem with product or service terms changing

XXXX XXXX and XXXX XXXX XXXX Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit Moneyloin is also his and address and numbers
Complaint sub-issue: Received bad information about your loan

I take issue with the handling of my student loans since i graduated from college back in XXXX. I write to request that you urge the XXXX XXXX to modify the XXXX XXXX XXXX XXXX ( XXXX ) program such that periods of full-time public service combined with periods of in-school deferment would count toward XXXX, regardless of whether payments were made during those periods. 

Please consider the grounds upon which I issue this request : I have worked for public institutions in higher education since XX/XX/XXXX. When I began my employment at a university I called FedLoan Servicing regarding beginning my payments and was told that since I was a student it would be pointless to begin paying my loans since it would not count toward forgiveness. During this time I was only making around XXXX XXXXXXXX annually and would have qualified for XXXX XXXX monthly payment. Since that time I have consistently worked and gone to school full-time and have been told over the years that it would be pointless to go into repayment since I was a student. At XXXX point I was informed that since I so many loans if I began making payments some of the loans would not be eligible for repayment so I needed to wait until my degree was confirmed to begun payments on them so that they would have the same payment counts. Upon graduating in XXXX my payments began and my count began.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX  xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK 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

I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX.