Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.
Complaint sub-issue: Account information incorrect

inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.
Complaint sub-issue: Account status incorrect

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation on the charge-off accounts being reported on my credit report. I requested to original signed contract and the payment history proving the account belongs to be and should truly be in collections. For the attached accounts, I have not received any documents for the attached accounts and the XXXX day investigation window allowed by the FCRA has expired.
Complaint sub-issue: Investigation took more than 30 days

Checking over my report & I have noticed that the creditors & bureaus that I have constantly been contacting has not responded nor has not provided me any information in written response regarding these accounts that are inaccurate under section 609 fcra these accounts should be removed. Please review & remove these accounts from my report. I am very disappointed in the unprofessional works. 

This is slowing me down with bettering myself
Complaint sub-issue: Problem with fees

I opened my best buy credit card back in early XX/XX/XXXX. When opening my credit card, they asked me if i would like to sign up for their " debt protection '' program which I denied. About 2 months into making my first purchase, I realized that I was paying for this " debt protection '' and immediately called the credit card company to remove the fees I was currently being charged. At the time I was a college student and I was hardly making enough to live by, so getting charged {$12.00} a month for a service that I didnt need to use was ridiculous. After calling and speaking to a representative, the rep. said that they are taking my concerns and issues seriously and that they would send me a letter saying whether this was approved for a refund. I never got a refund or a letter. However, I did check my account and I was not getting charged for it anymore till ... XX/XX/XXXX. I had made another purchase only to realize a few years later I had been paying for the " debt protection '' service which I had declined TWICE. I remember even telling the cashier that I will be declining their " debt protection '' service because its insanely expensive and pointless to me. It was about 2-3 years later when I noticed the charges due to my credit card amount not equaling what was calculated. Once again, I called the CC company complaining and they again responded with the same statement " you will get a letter or a refund in the mail ''. NEVER did I see anything in the mail. I was XXXX. I had been a loyal customer to best buy forever and now this is the type of fradualent activities I have to deal with? I paid over {$400.00} in debt protection fees for a job I would never lose since it was family owned. This is ridiculous. The fact that I had also called them multiple times and nothing got handled ... is insane. Something has got to give. I come from a huge family but after tellihng my story none of my family members shop at best buy no more for the fear of the debt protection fraudulent charges by the bank. Something about this needs to be resolved because another lawsuit wouldnt sound too good.
Complaint sub-issue: Account information incorrect

reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my XXXX and Equifax Credit reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( black and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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: Investigation took more than 30 days

XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so
Complaint sub-issue: Problem with statement of dispute

Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.
Complaint sub-issue: Investigation took more than 30 days

I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?
Complaint sub-issue: Information is not mine

There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute twice to correct a state lien that was incorrectly reporting on my file. Both came back as substantiated. I contacted Equifax multiple times by phone escalating to the consumer affairs department each call. Each time I stated the issue and received false and illegal information from each representative I contacted. I then went to the state verified the inadequacy of the lien, which both were removed. I contacted  XXXX   XXXX  which updated their file and their new information did not include these liens. I forwarded this report provided to me to Equifax to reinvestigate the dispute. I was misled numerous times that they are verifying the information directly from the court. I was misled because they told me that they had to wait for  XXXX   XXXX  to verify my claim to their report. I was misled because I was told that Equifax was not able to access  XXXX   XXXX  files on demand. I was misled because I was told that they had 30 days to complete the reinvestigation after documents were provided.  XXXX  refused to furnish me the correct agency 's information used to verify this debt in their investigation process upon request of myself.   I have been harmed tremendously personally by their unethical and illegal business practices. It has effected my life in many ways but recently it has effected a home purchase, which they were made aware of numerous times during my communications with them.   They have verified this debt as accurate. Their only means of verifying this public record is by using  XXXX   XXXX  reports.  XXXX   XXXX  shows these liens do not exist in the report I provided Equifax upon initiating the reinvestigation and they are absent from  XXXX   XXXX  records after the completion of Equifax 's resolution to my dispute as well.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Have over XXXX XXXX on the phone back and forth with XXXX as well their collection agency I.C. Systems Inc. and they all continue to be non compliant and infringing on my rights. This account is fraudulent is was already removed once now it came back with a different collection agency this is fraudulent and was opened witout my authorization or consent and needs to be removed immediately.
Complaint sub-issue: Account status incorrect

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Complaint sub-issue: Reporting company used your report improperly

My credit history data was obtained illegally from Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXX XXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}
Complaint sub-issue: Other problem getting your report or credit score

I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.
Complaint sub-issue: Information belongs to someone else

I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX  XX/XX/XXXX XXXX  XX/XX/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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax I have been turned down for a credit due to misreporting information, I have found inaccuracies still that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file XXXX  XXXX
Complaint sub-issue: Personal information

My I 'd was stole one te an some of the stuff on my credit report I never even heard of
Complaint sub-issue: Investigation took more than 30 days

The following account has been in dispute for over 30 days. I opened this dispute back a few months ago. 

XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX ( XXXX ) XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).
Complaint sub-issue: Information is not mine

I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
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. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I spoke with PDQ Services last month regarding this debt that they claim I owe to XXXX XXXX XXXX . XXXX XXXX XXXX claim that I owe them money for an apt `` trash out '' during move out. They say they have contacted the original creditor " XXXX XXXX ' and confirmed the debt, which is FALSE. As the documents shows on the move-in and move-out inspection that I never was aware of a debt and I never signed a move OUT inspection. I have not received any PROPER validation of this debt and it need to be removed from my credit report immediately. I am also reporting XXXX XXXX XXXX for bogus business practices for trying to rip off residents, not to mention, that when I moved in I didn't have a security deposit. So I guess they wanted to make some money off of me by any means. Again, PDQ is not complying with the FDCPA and are in violation of the act. This account should be deleted immediately!
Complaint sub-issue: Public record information inaccurate

IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Received bad information about your loan

In XXXX, my federal loans were transferred from XXXX XXXX ( XXXX ) ( Account # XXXX XXXX XXXX ) to MOHELA ( Account # XXXX ). The transfer was not done properly. 

I had been on an XXXX plan with XXXX for years, and when the transfer to MOHELA was processed, I was incorrectly placed into an XXXX plan. 

At XXXX, my monthly payment was supposed to be around $ XXXX ; however, MOHELA says XXXX now owe approximately $ XXXX. 

In XX/XX/XXXX, I reached out to MOHELA to explain that there was an error in transferring over my loan. I was told that MOHELA would look into it and update my account. On XX/XX/XXXX, MOHELA denied my request and I continue to be on an XXXX plan. MOHELA told me I needed to recertify ; however, no one has been required to recertify since XX/XX/XXXX. 

My goal is that I be placed back into my correct XXXX plan and continue having the same payment as I had as of XX/XX/XXXX when student loan payments were paused.
Complaint sub-issue: Account information incorrect

I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.