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

Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have 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: Public record information inaccurate

I have worked for XXXX and XXXX in the past years and have passed background as I have no criminal record whatsoever nor have, I had a moving violation in roughly 15 years so there hasn't been a problem. A year ago, Checkr flagged me as ineligible to work and provided this information to XXXX and XXXX. I requested a copy of this report roughly 10 times and gave up. I'm now trying to work for these companies again and have not been able to due to the background report provided by Checkr. I have again requested a copy of this report multiple times in the past couple weeks only to be ignored.
Complaint sub-issue: Their investigation did not fix an error on your report

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX XXXXXXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX  Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. Equifax and XXXX have not. I think I provided enough information and justification to have this removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Complaint sub-issue: Account information incorrect

Fed Loan servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from Fedloan clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and Fedloan refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and Fed Loan accurately reported them as late. Fedloan, later granting a forbearance for that time period, per the cited opinion, Fed Loan has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY REPORT.
Complaint sub-issue: Having problems with customer service

American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.
Complaint sub-issue: Information belongs to someone else

Good Day, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 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: Old information reappears or never goes away

I have no knowledge of this account ... XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Complaint sub-issue: Received bad information about your loan

FedLoan Servicing completed my PSLF review. I had consolidated my loans in XXXX. 

FedLoan Servicing discharged my loan for XXXX payments made to XXXX XXXX from XXXX. 

However, Fedloan Servicing did not count any payments made from XXXX XXXX to a prior servicer. I have been continuously employed by the XXXX XXXX  since XXXX. 

I believe I am entitled to have these payments counted and to be refunded payments over XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX we received a Notice of Discharge from a Chapter XXXX Bankruptcy Case. I have a new credit card ( obtained in XX/XX/XXXX with XXXX XXXX , XXXX - a XXXX XXXX XXXX XXXX  ). I have used the card and paid on time each month. My credit score was almost at 700. On XX/XX/XXXX, I tried to use my card and it was denied. On XX/XX/XXXX, I called and was informed my account was restricted. I was told it was because they received a Notice that we were IN BANKRUPTCY, which clearly was an error. I had to call my attorney, get her to fax a copy of the NOTICE OF DISCHARGE and they removed the restriction. They then changed my due date to the XXXX so that I wouldn't be marked as paying late. I filed a complaint with the XXXX. XXXX then sent me a form to sign giving them permission to release my information and essentially close the complaint with the XXXX. I refused because I was afraid that the next month, I would have another issue, either reported to credit bureaus as late, or XXXX restricting my account again. Well, turns out I was right. In XX/XX/XXXX, they CHARGED OFF MY ACCOUNT. I found out when I tried to make a payment. I check my credit and found out that the account was charged off and I lost almost 100 points! My score was XXXX! I almost fainted. I have called these people repeatedly only to be told that they had to make a request to find out what happened and to get the charge off removed. I was told I had to wait for a letter to arrive but they were going to correct the error. They finally removed the charge off comment, but my score is still at XXXX. I want my points back. I should not be penalized because XXXX made errors in reporting to the credit bureaus. I should not have to wait for my points to build back up. I was on the verge of purchasing a home to take in my XXXX year old, XXXX mother. Now the lender won't even talk to us because my score is lower now than when I was in bankruptcy. This is not fair. I have rights under the Fair Credit Reporting Act. The credit bureaus should be made to put my points back on my account to the status I had prior to XX/XX/XXXX when the first error was made. I am at a loss as to how this is even possible, but it happened and I'm paying the price for XXXX 's incompetence. My issue now is really with the credit bureaus, and with XXXX not explaining their error to the credit bureaus. They simply asked them to remove the charge off comment as if I may have paid whatever was due and they reversed the comment. Not the same as saying THEY made an error and that I shouldn't be penalized by losing my points. This is not fair. I called the " Presidential Line '' of XXXX and was told that they did all they were going to do by removing the " charge off '' comment on my credit reports to the 3 bureaus. They said that was all they were going to do and that I had to take it up with the credit bureaus to have my points restored that I lost because of THEIR incompetence and ineptitude! This is not fair! I am sick over this. I started having XXXX XXXX at the end of the conversation and the lady hung up on me. I can't take this anymore. It's just not FAIR!!!!
Complaint sub-issue: Information belongs to someone else

I have contacted LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.
Complaint sub-issue: Received bad information about your loan

After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.
Complaint sub-issue: Information is missing that should be on the report

Hello, I asked for a investigation not a digital update Ive attached proof.. FOR JUST ONE, of the the few creditors stating they had no contact with you. Ive been investigating your what you said is correct disputing inaccurate information that was digitally sent to you and you didnt investigate. 
I have proof of from a few creditors that you did not investigate.. if you cant prove the investigation please change the information also can you please unlock my online profile
Complaint sub-issue: Debt was result of identity theft

THIS IS A FRAUDULENT ACCOUNT I.C. SYSTEMS IVE FILED A POLICE REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

There is a bankruptcy reporting on my Credit Report from XX/XX/2020 listed as Discharged. Bankruptcy case number XXXX. It should be listed as Dismissed. I sent a supporting document that shows that it was ineligible for discharge which means that it was dismissed. It is verifiable through XXXX  and calling the trustee. This is easily fixed and when I submitted a previous dispute and they said it is reporting accurately. That is wrong.
Complaint sub-issue: Unable to open an account

I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.
Complaint sub-issue: Problem during payment process

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number 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. My credit report is attached to reference this account
Complaint sub-issue: Investigation took more than 30 days

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX 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
Complaint sub-issue: Attempted to collect wrong amount

In the response from the XXXX stated that I offered to pay to the delete never did say that maybe you should listen to the recorded call, I asked did the company offer a pay to delete never did I offered to pay the debt or agree to the debt. Your company is providing false information.