Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Equfax has violated the Fair Credit Reporting Act by keeping a creditor, XXXX XXXX on my credit when I have provided evidence XXXX XXXX has provided inaccurate information on my credit when has been removed three times. 

This account was removed from my credit due to violation of the Fair credit report since XX/XX/XXXX. XXXX XXXX has violated the Fair Credit Reporting Act and the Magnuson-Moss Act and the Truth in Lending Act by the following : under 1692f by acting as a debt collector and and creditor on a warranty attached to a service loan, 1666c prompt and fair credit payments, and 1681c requirement relating to information contained in the credit report. 

XXXX XXXX has presented 2 original loan balances in the amount of XXXX and XXXX and both showing a past due balance. 

In XX/XX/XXXX I contacted Equifax by phone in verifying if XXXX XXXX was on my credit and was told it was removed. I found out by pulling my credit XXXX XXXX is still on my credit. XXXX XXXX balance is inaccurate because the warranty that was attached to the property was non delivered and the dispute is in pending litigation in the court.
Complaint sub-issue: Their investigation did not fix an error on your report

My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX  investigated the matter and removed the item. XXXX  states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. ( Please see my attachment from the federal court which does not allow electronic filing without permission from the court ) I then called XXXX again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company detailing their findings. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 I lived in NJ ( XXXX miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this, coincidentally, is the year in which Equifax had a data breach. I also attached a report of 21 people, found in one search, named XXXX XXXX here in the US. I also offered the confirmation from XXXX  who also investigated and found this to be incorrect and removed the item immediately. The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!
Complaint sub-issue: Frequent or repeated calls

Calls my home over 5 times a day from 4 different numbers. They are looking for someone who does n't live here and is not associated with my phone number. I just received this phone # a year ago. I told them to stop via email/phone/ and BBB. Want all calls to stop. they have the wrong #
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX. '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. On XX/XX/XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use Equifax 's online portal and phone numbers to request my credit report. On the best occasions, the online portal eventually tells me that it is " unable to deliver [ my ] credit file '' and that I should call XXXX to request my credit file. When I call, I am either disconnected at some point, or told that I already received my credit report. 

I am the victim of identity theft and need this report to ascertain the full extent of the damage, but can not obtain it from Equifax
Complaint sub-issue: Public record information inaccurate

LexisNexis is providing incorrect information to credit bureaus claiming I have a bankruptcy for {$0.00} on XX/XX/2011.
Complaint sub-issue: Personal information incorrect

Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.
Complaint sub-issue: Public record information inaccurate

I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Complaint sub-issue: Old information reappears or never goes away

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, Equifax, and XXXX. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX  and XXXX  XXXX.
Complaint sub-issue: Information belongs to someone else

i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my credit report
Complaint sub-issue: Personal information

I called Equifax and also faxed letters with my correct address on XX/XX/2016. They continue to report incorrect address, and places of employment for me. I have never worked at the XXXX jobs listed. I was told that they corrected the information in the system, but when I pulled another credit report they are still showing incorrect information. I have sent in supporting documents by fax multiple times for verification of my name, and DL for address. These letters where typed and faxed. I received letters back stating the request is illegible. This is impossible because it was done by fax machine, and I called and spoke with XXXX representatives that assured me the matter was taken care of. But as I said I pulled my report XX/XX/2016 and they are still remaining on my report.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Confusing or misleading advertising about the credit card

CASE DESCRIPTION : This complaint is made against US Bank XXXX, as one of its subsidiaries, Elan Financial services is ultimately responsible. While well hidden, the policies are created but US Bank XXXX which is the responsible party in this complaint. 

Through a solicitation I received in the mail, I signed up for the Ent XXXX Credit Card ( offered by Elan Financial Servies, a division of US Bank XXXX. Part of the reason for getting this card was the generous 5 % that they offered for certain categories such as home utilities. Based on the solicitation, I decided to get the card. I selected XXXX XXXX for XXXX of the 5 % categories and incurred a convenience fee in order to pay my home utility, Colorado XXXXXXXX XXXX. The transaction posted at 1 % and when I called I was told this was an obvious mistake and that it would be fixed. When it was not fixed, I contacted Ent again and was told that Colorado XXXXXXXX XXXX, despite posting with the merchant code was not considered a utility as they do not have utility as their primary business. I am surprised as Ent is headquartered in Colorado XXXX and I would imagine pay a monthly bill to their utility company, Colorado XXXXXXXX XXXX. When I spoke to a supervisor I was told that this often happens when a business conducts business in more than one category, such as XXXX XXXX I checked the XXXX website and saw that they primarily sold - utilities such as water, gas, and electric. I could not order clothes or groceries from the XXXX website as they did not offer that, like XXXX XXXX I was then told that the terms and conditions said that there are some guaranteed home utility companies, but that the " millions '' of others " may or may not '' count towards the additional reward. Ent 's policy seems to be-we don't know what reward you might receive, but get our card and maybe, you might just possibly could have the utility company that you have providing your home utilities count as home utility. But, and I am adding my own interpretation, we will decide and you'll find out after you paid your bill. If we don't want it to count, then it won't, too bad, so sorry, try something else and even if the merchant code is the correct one, we decide-logic, fairness, and basic common sense doesn't apply as XXXX determines what is a utility.
Complaint sub-issue: Investigation took more than 30 days

There are 3 medical reporting on my credit report from Equifax with no names of who the creditor is. I have reached out to Equifax on multiple occasions and they have not responded to any of my letters that were sent. 

The Accounts that are reporting on my credit report. 

Account # XXXX High Credit : {$650.00} XXXX High Credit : {$440.00} Account # XXXX High Credit : {$290.00} I have sent letters to Equifax on the following dates and not received any mail correspondence from Equifax. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022
Complaint sub-issue: Information belongs to someone else

XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that Equifax and XXXX  credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX  XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX  Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the XXXX. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the XXXX  were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX  XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to University XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX  Hospital for copies of the XXXX  forms XXXX  submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.
Complaint sub-issue: Reporting company used your report improperly

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 {$1700.00} XXXX XXXX {$680.00} XXXX XXXX {$81.00} I tried to dispute these items off my Equifax and credit report because I not sign a consent or give permission to pull my credit report. It is also a HIPPA Violation to put any medical information on their credit report. No action was taken by Equifax or any of these companies.
Complaint sub-issue: Information belongs to someone else

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Problem getting your free annual credit report

I requested my free annual credit report from all 3 agencies on the same date XX/XX/2019. XXXX and XXXX provided me copies of my report but not Equifax. This issue happened last year as well with Equifax. Equifax never responded to my queries or provided a free copy of my annual credit report until I filed a complaint with the consumer protection agency.
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact wXXXX XXXX XXXX  and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.
Complaint sub-issue: Received bad information about your loan

Request that my loan servicing company corrects the number of Qualifying Payments for Public Service Loan Forgiveness.

I am writing to you for help with a discrepancy in documentation I see regarding the number of qualifying payments for Public Service Loan Forgiveness I made on my student loans. My loan servicing company is Fed Loan Servicing.

The problem : My number of qualifying payments for PSLF should be 78 on each of my six loans. I consolidated these loans.

I submitted PSLF employment certification forms documenting qualifying employment with multiple employers. I made regular student loan payments.

Fed Loan Servicing records are incomplete, missing several qualifying payments on five of my six loans. Attached are documents showing the following errors : Loan sequence 1 shows 75 qualifying payments.

Loan sequence 2 shows 75 qualifying payments.

Loan sequence 3 shows 75 qualifying payments.

Loan sequence 4 shows 77 qualifying payments.

Loan sequence 5 is correct ( 78 qualifying payments ).

Loan sequence 6 shows 72 qualifying payments. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I emailed MOHELA my student loan service company on XX/XX/XXXX asking for an amortization schedule. On XX/XX/XXXX, I received a response that i would receive a response within 7-10 business days. On XX/XX/XXXX, i submitted another request for the amortization schedule. On XX/XX/XXXX, i received a reply that the schedule was mailed to my home address. On XX/XX/XXXX, i received a letter from MOHELA indicating my monthly payment amount, my repayment plan, the interest rate, and the terms of the loan. On XX/XX/XXXX, i called MOHELA to inform them that i did not receive the amortization schedule. I spoke with two customer service representatives. The second customer service representative told me that i could not receive a schedule because i may make an extra payment, or make a late payment, or my interest rate may change therefore they could not provide a payment schedule. This is despite the fact that i have auto-debit, have made on-time payments for the life of the loan, and have received an amortization schedule from other student loan servicers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Is about. L credit karma I been a user for years Im in touch with the news about credit karma misleading our approvals and I have a bunch of hard inquiries because of that reason on my account they would say My approval odds would be fair but then. When I go apply through the link I still get denied cause of my score so it adds a hard inquiry because of there suggestions so please verify and take a look at my inquiry
Complaint sub-issue: Company closed your account

I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I WAS CHARGED FOR 2 CHARGES ON MY XXXX CITI VISA CREDIT CARD THAT I HAVE NO IDEA WHO THESE COMPANIES ARE AND I NEVER DID BUSINESS WITH THEM AND I DID NOT AUTHORIZE THESE CHARGES. THE CREDIT CARD WILL NOT PROCESS MY REFUND AND I DONT UNDERSTAND WHY.. I HAVE TRIED MANY TIMES. THE TWO CHARGES ARE XX/XX/18 XXXX XXXX- XXXX AND XX/XX/18 XXXX XXXX- XXXX ... THIS IS ALOT OF MONEY TAKEN FROM ME AND I NEED MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS SENIOR ABUSE. PLEASE HELP ME GET MY MONEY BACK
Complaint sub-issue: Investigation took more than 30 days

I had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.
Complaint sub-issue: Account information incorrect

XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.
Complaint sub-issue: Can't close your account

My bank account has been frozen or blocked without proper notice. The account was frozen on XX/XX/XXXX. I called the bank and was connected to the fraud department. They instructed me that they could not access the account, there was nothing I could do, and to call back in 48 hours. I called back on XX/XX/21 and they told me the same thing. I worry my account has been closed without any notice, and I will suffer inconvenience and costs by not having access to my account. The bank has not given me information on why my account has been frozen, nor anyway to contact those in control of my account. I have received no communication from the company with regards to this issue. No mail, e-mail, or phone calls.
Complaint sub-issue: Public record information inaccurate

I sent a letter to Equifax and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.