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

I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I was off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2019 I requested my free annual credit report from Equifax. They are refusing to provide it unless I submit my w2, copy of drivers license, copy of utility bill etc. 
My name, address and social security number hasn't changed in XXXX years and I request a copy of my credit report each year for the last XXXX years. Equifax is just trying to make it impossible for me to get my free annual credit report without hassling me.
Complaint sub-issue: No notice of investigation status/result

On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Complaint sub-issue: Can't get flexible payment options

Was not given correct or adequate information on loan repayment options and have had issues with payments not being deducted from loan amounts
Complaint sub-issue: Problem with personal statement of dispute

I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States XXXX court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States XXXX Court that they do NOT report any items to any credit agency and that XXXXredit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.
Complaint sub-issue: Investigation took more than 30 days

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

This company called XXXX  have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...
Complaint sub-issue: Account status incorrect

Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act.  furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. 

I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 

these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. 

Regards, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Being charged for a XXXX debt on the other side of the country.
Complaint sub-issue: Old information reappears or never goes away

XXXX, equifax and XXXX show Hard inquiries on my credit scores and Summary.
Complaint sub-issue: Account information incorrect

Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need Fed loan to prove I was delinquent on these payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting 14 of the 16 student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX  XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by Equifax. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX  has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX  Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

US Courthouse tracking number : XX/XX/XXXX - XXXX XXXX attempt : I sent a Bankruptcy Investigation letter to Lexis Nexis XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to Lexis Nexis with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from Lexis Nexis stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the 1st attempt : XXXX - XXXX XX/XX/XXXX - XXXX XXXX attempt : I sent the same deletion letter out from the 1st attempt on XX/XX/XXXX letting them know this is my 2nd attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank Information, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the XXXX attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Application denied

My girlfriend and I both applied for the same credit card around the same time this year, she was approved and I was denied. 

We have similar credit scores and risk scores ( mine fare a bit better than hers ). Our public records are identical and she has way more unpaid debt than I do. My oldest accounts are also older than hers.
Complaint sub-issue: Account information incorrect

Equifax failed to correct their error on 2nd mortgage from XXXX that the loan was paid off full. They claim from XX/XX/XXXX to XX/XX/XXXX late payments however they failed to honor the letter from that company. Company letter state clearly loan paid in full without any late payments. 
Second issue XXXX XXXX XXXX XXXX went out of business in XXXX, KS and their credit card issued is closed based on closure of company with no payments or balance. 
Third issue since Equifax breech they all of sudden change my credit rating from XXXX as of XX/XX/XXXX down to XXXX currently without reason or justification. Since the breech I 'm on a temp watch on this company but I do have other agencies watching my credit since their system failed.
Complaint sub-issue: Application denied

On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020, I sent two certified letters one to Equifax, tracking number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I need your help in order to get in touch with my bank and try to solve my problem. I would like my XXXX XXXX XXXX to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$350.00} on XXXX/XXXX/XXXX. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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: Investigation took more than 30 days

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Complaint sub-issue: Personal information incorrect

Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. – waited on phone well over ½ hour I could not get the overseas representative to do anything!  Asked to be transferred to US  waiting and waiting finally hung up.  I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
Complaint sub-issue: Information belongs to someone else

I have been disputing fraudulent items on my credit report with Equifax, XXXX, an XXXX for the past six months to no avail. I first submitted my first dispute for XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a collection account that was once removed due to fraud since XX/XX/2020. I submitted an FTC report to XXXX, Equifax, and XXXX with these fraudulent accounts and every time I submit a dispute and attach the Identity Theft Report from the Federal Trade Commission, they all states the item was certified from the creditors. I've asked for validate that the items belong to me, with my signature as proof, but the Credit Bureaus won't cooperate. Equifax, XXXX, and XXXX states that the FTC report was not valid when I worked with a representative from the Federal Trade Commission to create the Identity Theft Report. The accounts from XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX were removed already due to fraud. This is totally unacceptable and these accounts are reporting negatively on my credit report and affecting my livelihood. According to the FCRA, when you submit an Identity theft report, those accounts should be removed with 24-48 hours.These accounts have been reporting fraudulently since XX/XX/2020. The negative reporting have dropped my credit score from a XXXX to XXXX. I've spoken with XXXX XXXX about the fraud. They know I didn't open these accounts, but they are still reporting them negatively because I won't press charges on the person I suspect that used my identity. I did not open these accounts and I should not be held liable for these fraudulent accounts.I call these Credit Reporting Agencies all day everyday. It takes so much time out of my life. It's very depressing and and is taking a toll on me. The hold times to speak with a representative is almost a 45 minute wait. It's very tedious and frustrating to have to fight for what's right, when the bureaus hold your life in their hands. I pray that this complaint rights the wrong I've experienced.