Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I applied for XXXX XXXX & was approved my score with Equifax was XXXX & XXXX with XXXX a hard inquiry drop your score between XXXX. My XXXX went do XXXX and my Equifax went down XXXX. This makes NO SENSE, the customer service reps dont care because its not their credit & want to tell me how to better my credit by paying things on time which has NOTHING to do with why a hard inquiry has dropped both my scores over XXXX. Im very aggravated and annoyed because now Equifax is saying that is correct and verifiable that it was suppose to go down that much. I did my proper research and spoke with financial/credit advisor before I even applied. This is EXTREMELY upsetting because how in the world does it drops so much over an hard inquiry then it has to stay for XXXX?? That is crazy. I need more information in regards of this.
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. 

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  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: Information belongs to someone else

These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.
Complaint sub-issue: Account information incorrect

I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.
Complaint sub-issue: Problem with customer service

I applied for PSLF. After about eight weeks FedLoan Servicing contacted me to let me know that I had entered an incorrect employer FEIN/EIN number on my application and requested a copy of my 2020 W-2 from that same employer. I submitted the W-2 as requested as evidence of the correct FEIN/EIN number. I was then informed that because I had initially entered an incorrect FEIN/EIN number on my application they had closed my case and require that I start the application process all over again ( aka : go to the back of the line ) despite their having the correct FEIN/EIN now in their possession.

This seems egregiously unfair. Apparently FedLoan Servicing continues to deny PSLF applications based upon easily resolved technicalities Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notice from XXXX XXXX I have a negative mark on my credit score. The company is L.J. Ross and Associates with original creditor as XXXX XXXX. I have moved my permanent residence but have forwarded all of my mail and have never received any formal notices about any attempts to collect a debt from this company ; just a negative mark on my credit score. According to XXXX XXXX, the account was opened on XX/XX/22. It is now XX/XX/22.
Complaint sub-issue: Information is missing that should be on the report

Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.
Complaint sub-issue: Account information incorrect

Discover Bank issued me a 1099 to forgive my defaulted debt of {$12000.00} in 2021 however they are still reporting a balance owed to my credit reports. 
This error is causing my credit scores to be XXXX points lower than my other two credit scores.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX report the account as Closed ; Equifax reports it as Open XXXX reports a different balance than XXXX/Equifax All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Complaint sub-issue: Debt was paid

COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. 

THE COLLECTORS VIOLATED THE DODD-FRANK ACT!
Complaint sub-issue: Used obscene, profane, or other abusive language

I have had a Citicard Credit card that was closed back in 2014. I was on a 6 year plan to pay it off. 6 years have passed and they said I still owe the debt after faithfully paying every month, because the account protection was not removed. I stopped receiving statements and the account is so old that they can not archive any documents. This account should have been paid in full and closed as all debts have been paid and I can pull bank records to prove this. I need direction as to how I can further resolve this issue. Thank You
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.
Complaint sub-issue: Cashing a check

There is a missing payroll check that the IRS is seeking-I am wondering if I cashed it because it's not on a statement. I get no response to calls and emails. My contact is XXXX XXXX.
Complaint sub-issue: Contacted your employer

XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
Complaint sub-issue: Problem with product or service terms changing

My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??
Complaint sub-issue: Old information reappears or never goes away

My Citibank Sunoco card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.
Complaint sub-issue: Information belongs to someone else

Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have filed a suit against XXXX  as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach. 

XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit. 

The following accounts should not be apart of my credit file. 
1.XXXX  XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX   {$820.00} 4.XXXX {$6000.00} 5.XXXX  XXXX  6.XXXX XXXX {$6900.00} 7.XXXX XXXX  {$170.00} 8.XXXX {$430.00} 9.XXXX  XXXX  {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX  {$4000.00} 13.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING
Complaint sub-issue: Old information reappears or never goes away

I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.
Complaint sub-issue: Old information reappears or never goes away

To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.
Complaint sub-issue: Public record

There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.
Complaint sub-issue: Threatened to sue you for very old debt

I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. 
Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX  of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. 
This is totally unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Was not notified of investigation status or results

XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

For over a year I have not been able to access Equifax 's website to freeze or unfreeze my credit report. Their website is not functioning correctly and I can not get in touch with an in-person representative to address this issue.
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. 

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 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: Difficulty submitting a dispute or getting information about a dispute over the phone

We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our XXXX account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, Equifax and XXXX credit reporting agencies
Complaint sub-issue: Information belongs to someone else

I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Complaint sub-issue: Application denied

I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated it