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

I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX did the right thing and deleted it. XXXX and Equifax sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent Equifax several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. Equifax keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my Equifax report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. Equifax is not investigating my report correctly.
Complaint sub-issue: Public record information inaccurate

CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.
Complaint sub-issue: Problem during payment process

I have been on auto pay with MacyXXXX XXXX  XXXX card for about a year now however when my payment came up due on XXXX XX/XX/2022 The payment did not go through because it said I was not on auto pay. I resolve the issue and they took back the lead charge but it still makes me angry and Im not sure I can trust them any more my credit is superb and I always pay the statement balance every month and all my credit cards which are on auto pay even though its resolved Im still not happy about it and still dont know why Auto pay disappeared from my account
Complaint sub-issue: Other problem getting your report or credit score

I have attached a copy of my Id and Bank Statement and credit bill with my address for a report
Complaint sub-issue: Investigation took more than 30 days

I notified XXXX on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. XXXX responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is XXXX responding asking for 60 days. The extension for Covid 19 has ended.
Complaint sub-issue: Their investigation did not fix an error on your report

Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.
Complaint sub-issue: Reinserted previously deleted info

Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,
Complaint sub-issue: Debt is not yours

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Complaint sub-issue: Investigation took more than 30 days

delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Need information about your loan balance or loan terms

This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Reporting company used your report improperly

Lexisnexis is reporting inaccurate information to my consumer report. They are reporting a public record which I never gave written instructions to do so and have been causing me injury.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX L 2. XXXX- XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Complaint sub-issue: Frequent or repeated calls

Multiple calls during business hours, refused to identify what they are calling about without me revealing sensitive information to " verify '' who I am, which is in clear violation of FDCPA regulations
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello Equifax this is a Formal Notice that you have Incomplete, inaccurate, and incorrect information on my Credit Report. 

I have attempted to try to fix this in the past, I will identify the latter in the attachment below.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting an account on my credit report with no creditor listed. I have been unable to send out validation request because I am unaware who is reporting these accounts or if this account even belongs to me. I have sent 3 dispute letters to Equifax since XXXX of 2021 asking them to investigate this account and I have yet to receive a written response or see any updates.
Complaint sub-issue: Account information incorrect

Hard Inquiry from XXXX CARD SERVICES on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX FS on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX 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: Account status incorrect

XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax  confirmation number XXXX
Complaint sub-issue: Information belongs to someone else

In XXXX two student loans appeared on my credit report from Nelnet. I contacted the company and disputed the student loans as I was unaware of them. I asked for the document on the loan. The name they stated on the loan is XXXX XXXX. I advised my maiden name is XXXX and married name is XXXX never XXXX. I then disputed on my XXXX XXXX. The disputes were won on Nelnets end. I requested documents again from Nelnet they sent me over to federal loan number who said its in the system but there is nothing on the loan as for identification social card nothing. I told them that it is not my loan they said they don't have anything no documents or anything. They advised me to dispute with Nelnet again I advised they are a dead end. NelNet said the loan is from early XXXX 's I am XXXX XXXX XXXX why would this loan pop up on my credit that doesnt belong to me well over XXXX. I continued to put the loan in deferment to avoid it harming my credit. This account is fraud and I can prove my birth certificated that is XXXX and marriage license that is XXXX along with social security cards that indicate that. Nelnet refuses to provide documents valid documents to me about this fraudulent accounts. I am concerned they are going to damage my credit if I dont continue to put the loan in forbearance. I dont know what else to do, I am being forced to take on a loan that isnt mine.
Complaint sub-issue: Account status incorrect

My student loans which were being serviced by Great Lakes have been transferred to Nelnet ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by XXXX ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, and U S Department of Edu XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, Dept of Ed/XXXX, and XXXX XXXX XXXX XXXX reported to the Equifax that I applied for. They have violated my rights to have fair and accurate information on my credit report.

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights
Complaint sub-issue: Debt was result of identity theft

This is a fraudulent account, opened by someone who stole my identity.
Complaint sub-issue: Debt was result of identity theft

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$1100.00} Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. Disputed Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. Total Amount Claiming : {$670.00} and {$960.00}
Complaint sub-issue: Investigation took more than 30 days

I asked that the company prove that they are compliant in reporting items on my report.
Complaint sub-issue: Problem getting your free annual credit report

They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?