Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I have had this problems several times over the year and have sent in my Drivers License and it shows correct on Equifax site but not on other sites when I check Equifax report. I was alerted on XX/XX/XXXX of an collection from XXXX for {$420.00} by Equifax. When I try to dispute it, it does not show on on Equifax site. When I pull Equifax through XXXX site or XXXX site, it comes up saying XXXX XXXX XXXX and OLD ADDRESS XXXX XXXX XXXX. I have not had that maiden name or address in 7 years so it is clear Equifax once again has 2 files on me. 1 is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC WHICH IS CORRECT and I sent in my Drivers License months ago and was supposedly corrected when I then filed a complaint with CFPB. Now the 2nd file shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH THE XXXX XXXX OF XXXX. THIS INFORMATION IS WRONG AS I HAVE NOT LIVED AT THAT ADDRESS OF HAD THAT MAIDEN NAME IN 7 YEARS. I NEED TO DISPUTE THE XXXX XXXX as it is not mine and Equifax needs to fix the 2 files that are being reported. I have Equifax monitoring which I PAY for that is giving me wrong information. I HAVE SPENT OVER 3 HOURS ON THE PHONE EVEN WITH SUPERVISORS AND THEY ARE CLUELESS. PLEASE DELETE THE OLD FILE WITH XXXX XXXX XXXX ASAP
Complaint sub-issue: Debt is not yours

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Complaint sub-issue: Debt was paid

I started receiving calls from a number I did not recognize, so I blocked them. They left 1 message, but it was very difficult to understand, so I deleted it. Then I just received a letter from USI Solutions , Inc. stating that I owe {$3900.00}. The date on the letter is XX/XX/XXXX. I took care of some debt I had years ago. I used XXXX XXXX XXXX to help me pay down my debt. It was paid in full back in XXXX. I haven't had any debt since. I don't even have any credit cards. After reading consumer complaints, I realized this could be a scam. I want to know what I can do about this.
Complaint sub-issue: Received bad information about your loan

I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.
Complaint sub-issue: Information belongs to someone else

I have previously submitted police reports, affidavits, and court documents to Equifax surrounding an ID theft issue which caused my credit score to drop over 100 points. Equifax had fixed all the issues except a XXXX XXXX account that was part of the ID theft and documented as such on the police report is still reporting as both a charge off and past due ( illegal to report that way despite the fact it is ID Theft ). This account was initially not showing on my credit report 3 months ago but now it is back. This account which shows a past due and charge off amount of {$6000.00} is still drastically hurting my credit score. Equifax needs to remove this account too and then my score will be back to normal.
Complaint sub-issue: Their investigation did not fix an error on your report

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I received an alert from Equifax regarding an update to an unverified Student loan account with WFS. I already have an open complaint with them directly and the submitted they needed more time to respond to my complaint. 

As you can see, they had stopped reporting to Equifax and most recently Equifax has reinserted this unverified account to my credit report without fully investigating and verify. They are still investigating per XXXX XXXX letter dated XX/XX/XXXX. On XX/XX/XXXX, with no update its reported inaccurately to all bureaus with inconsistent information. Per FRCA, before reinserting they must notify me via mail their intent to reinsert. I sent a factual dispute to XXXX and XXXX due to me not being liable due to fraud. They were to follow suit with Equifax but Equifax unlawfully entered the information BACK on my report after failure to verify previously. I have attached proof of resinsertation and my file police report and FTC report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having an issue with the three major credit bureaus Equifax, XXXX, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Complaint sub-issue: Information belongs to someone else

I sent my initial dispute request to Equifax on XX/XX/2019 via certified mail and it was signed by XXXX at Equifax on XX/XX/2019. It took them over 70 days to respond which is well beyond the 30days requirement per the Fair Credit Reporting Act of which I asked them to delete the disputed items. They ignored my request and ignored their negligence. I hence informed them of Identity Theft providing a copy of my Federal Trade Commission Identity Theft report and a copy of my Police Report, they still continued to ignore my information and did not comply with Section 605 of the Fair Credit Reporting Act and did not  " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, and US. Department of Education. I have certified mail receipts of over 5 Letters I have mailed to Equifax to correct the errors on my credit file. Please make sure they adhere.
Complaint sub-issue: Deposits and withdrawals

I processed my income taxes using XXXX at the end of that process I was offered the ability to create and have my refunds depostied to and payments be taken from a Credit Karma XXXX XXXX  account. I agreed to this and the account was opened before XX/XX/XXXX My issue is that there is a balance left in the account and I am not able to access it. I have attempted ( as advised by Credit Karma ) to Link my other bank account and each time I try I get a message " ..we hit a snag on our side ... '' Initially when I tried this in early XXXX I thought to give the system some time in case there was a bug and try again in a few days. When this continued to fail with the same message I tried to simply spend the money using the debit card I received and that gets rejected each time. 
I contacted Credit karma member support on the phone about this issue on XX/XX/XXXX and was unable to resolve the issue. A case was opened CASE # XXXX and I was told it would be '' redirected to a more specialized team that is better suited to look further into the matter. '' I got an email with this information. 
On XX/XX/XXXX, 5 business days later I still had not heard anything and sent an email reply asking for an update. Nothing in response. 
Now it is XX/XX/XXXX, a full month from the date I opened the issue and still I have heard nothing. I emailed another reply asking for an update. I tried to find a status update and wound up opening another case for the same issue. CASE # XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I Purchased a flight ticket from XXXX XXXX   for {$490.00}, but unfortunately i was unable to fly so i contacted my bank to get my money back. So they did and i got my money back. 

A few months later, they send me a letter stated that i needed to show them more information in order for the money to stay on my account. I wasn't able to provide any information since the company XXXX XXXX didn't send me the necessary information until XX/XX/XXXX. 

The station manager has told me that i have to contact my bank in order to get my money back since the bank took the money back and gave it to XXXX XXXX. 

I Have sent them the necessary evidence in numerous letters, but all there response is " our investigation is completed. '' Pretty much telling me that they can't help me anymore even after i have sent them the necessary evidence. 

Can you please help me?
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 3. The following personal information is incorrect XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 4.15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
US DEPT ED Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
DPT ED/XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting Account Number : XXXX 9. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Account Number : XXXX 10. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 11. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

DPT ED/XXXX Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
6. Validate Account AD XXXX REC Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of XXXX Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX  1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt was paid

I C SYSTEM INC on behalf of XXXX XXXX is trying to collect {$75.00} for an account that was closed since XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

How was Equifax, XXXX, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts 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

I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Recently, I was notified that my Equifax credit score dropped by 50 points. This was completely unexpected as the only new credit activity on my account is 1. ) I paid off an auto loan and 2. ) I was recently approved for a forbearance for my student loan. 

I called Equifax on the following dates to try and speak to an Equifax representative who I hoped would be able to tell me why my score suffered such a significant decrease. I made these calls on XX/XX/XXXX, XXXX and XXXX, XXXX at varying times of the day. Every time, after waiting inordinately long times on hold, I was connected to a representative who did not speak English well enough to answer my question. The only thing I was barely able to understand is that they said I would " have to speak to a credit specialist '' outside of the company to get an answer to my question of why my Equifax score dropped. This is absolutely absurd since it is Equifax who dropped my score and it is Equifax who creates that score in the first place. Not only this, but I was one of the 143 million Americans who was part of the Equifax hack, and I have not received a dime from these people. Their lack of customer service and lack of respect for the security of Americans ' private information is criminal. Equifax should be shut down. 

In my view, what would resolve this particular issue is that I want them to explain to me why my score dropped, that's it, plain and simple. That would resolve this particular dispute. Although in no way do I waive my right to pursue litigation against Equifax and/or its successors and assigns in connection with the XXXX hack, which again, I was part of. In addition, it should be criminal that their customer service representatives barely speak English. Credit is too important to be trusted to foreign nationals who have no business having access to the private credit information of Americans.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and Equifax account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX  reporting payment status as collection/charge off, XXXX  payment status reporting current, and Equifax payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.