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

I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have been a full-time XXXX XXXX since XX/XX/XXXX. I saw an ad in the newspaper about Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. I consolidated my federal loans in XX/XX/XXXX and was told that I was good to go and on track for PSLF. In XX/XX/XXXX I filed the paperwork to have my loan transferred to XXXX to finalize the PSLF process. In XX/XX/XXXX I  was informed via email that although my employment was certified, none of my 9+ years of on-time, consecutive payments would count towards PSLF because I was on an ineligible repayment plan. During the past now 10+ years of payments I have paid over {$36000.00} in interest. Had I known that I was terribly misled, I would have paid off this loan many years ago and not gotten hammered with all this interest. I now have almost {$44000.00} in principal left on the original loan amount of {$46000.00}. I never would have agreed to pay that much interest under any circumstances. I went through the complaint and appeal process with XXXX and was told that there was nothing they could do because Congress makes the rules. This is completely unacceptable.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

On more than one occasion I applied for a loan or credit card that showed pre-approved and/or outstanding approval odds through credit karma and was denied. This put hard inquiries in my report, kept me from getting other credit and brought down my credit score.
Complaint sub-issue: Information belongs to someone else

I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that Equifax, XXXX and XXXX to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00} Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt was paid

I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.
Complaint sub-issue: Company closed your account

I recently opened a Citi priority checking account for a welcome offer. To qualify the welcome bonus, I transferred XXXX dollars after account opened. 
Several days later, I received email from Citi that they're closing my account because I violated their client manual!? 

I called several times but they can't give more details- and they will return my fund after my account closed, via mail checks. 

This is really bad that I don't know what happened and my XXXX fund is locked for these times.. And still haven't got them back, feeling unsafe.
Complaint sub-issue: Investigation took more than 30 days

It is a shame that I have to continuously submit complaints into the CFPB concerning Equifax. As a consumer, I have the right to a credit report that is 100 % accurate. It is also my right to dispute errors on my report that aren't accurate. Equifax seems to CONSTANTLY participate in deviation tactics by claiming that they can not " verify '' my identity. The reason why I am frustrated now is because I've sent the the information of my Social Security Card, Driver License, Current utility bill and submitted all documentation that Equifax has requested. You can see me do this in the portal for the first time in complaint XXXX. This back in XXXX of 2022 and wasn't the first time Equifax asked me to verify my identity. They also sent me letters asking me to verify my identity before they would reply with their response. I continuously send them the verification information and yet Equifax continues to avoid addressing the false, and duplicate information that is on my credit report. This is unacceptable, especially when I submit a complaint in the CFPB where I have verified my identification over XXXX TIMES. I have done my due diligence in trying to handle this where only the CFPB, Equifax, and myself can see my complain but it seems this isn't working so I am publishing this publicly so others that are experiencing similar cases can also address this malpractice and not allow Equifax to abuse them. 
I will also be including another copy of the information again as a way to show that I am complying. If Equifax was as diligent when adding/ allowing false information to be reported on my credit profile we would not be in this predicament as we are now. 
In my complaint XXXX I informed Equifax that account # XXXX. I disputed this account OVER XXXX MONTHS AGO. Equifax hasn't sent me any information about this account nor the status of my dispute. What makes it worse is that this account is allegedly a " medical bill ''. XXXX protects the right of all clients medical records and I didn't release of my medical records to any third party. It's seems that Equifax is blatantly violating my rights. This is XXXX. Equifax has had over 60 days to address this and they avoid it by saying they can't verify my identity and then will try to take more time responding to this complaint. 
I also told them about thiXXXX XXXX XXXX XXXX XXXX  in complaint ( XXXX ) where this account is on my report SEVERAL times and is unacceptable. Equifax needs to address my disputes and remove all this inaccurate, duplicate information from my report. Its not fair for me to have to wait another 60 days for a response from Equifax when I originally disputed this item and provided verification back in XX/XX/2022 it has been over 100 days. This not only violates the FCRA but is not ethical and needs to be corrected immediately. I am also including a copy of my most recent credit report to show that these account ARE CURRENLY ON THERE. This way Equifax won't try to delay further by saying they don't see this account.
Complaint sub-issue: Account status incorrect

XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Citibank Mastercard account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, XXXX is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with XXXX, XXXX has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that XXXX and Citibank have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against XXXX and Citibank for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Complaint sub-issue: Personal information incorrect

I have been attempting to clean my credit report for the last 5 years. One of the issues that I am continuously running to is accessing information from Equifax. 

My deceased grandmother & myself share the same name with different middle initials. We also shared the same permanent address for many years. This has always been an issue & I began using my middle initial on all signed documents. 

What has occurred is Equifax has combined our information. They have my birth date on file, what I believe is her social security number & a last name ( XXXX ) which she used ; this was never legally her name. 

I have faxed as well as mailed Equifax a copy of my birth certificate, social security card & my tax return with no communication of a resolution to fix this issue.
Complaint sub-issue: Didn't receive notice of right to dispute

To CFPB I received a credit alert today that something had been placed on my Equifax report, I have just had a doctors appointment because Equifax continues to disobey Federal Law in that they refuse to verify ANYTHING placed on someone's report. I have been notified by my doctor to stay out of stressful situations because I suffer from XXXX and the XXXX XXXX XXXX of the XXXX is greatly affected by stress, Equifax doesn't seem to care about people 's health no, the only thing they care about is the money they are paid from companies that also are violating the law. EQIFAX HAS BEEN WARNED MANY TIMES TO OBEY THE LAW AND THEY CONTINUE TO NEGLECT THIS WARNING. I have had enough of this willful disobedience on the part to Equifax it's time for jail time for Equifax because once again they have continued to disobey the law and this company who has placed this on the report, XXXX XXXX has also violated the law in that I have received no notice of this bogus debt they claim I owe. The governors across the U.S. have passed laws that prohibit medical debt to be reported for 6 months after the debt. But I don't owe this debt.
Complaint sub-issue: Received bad information about my loan

I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Account status incorrect

I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

IN THE LAST XXXX HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.
Complaint sub-issue: Reporting company used your report improperly

I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am submitting this complaint against Equifax Information Services, LLC. There is no third party involved in this complaint. I am demanding that Equifax Information Services, LLC provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Equifax Information Services, LLC provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Equifax Information Services, LLC has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Equifax Information Services, LLC have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 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 No other adverse items of information should be on my report other than records of convictions of crimes according to 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account NumbeXXXX : XXXX As a consumer by law this account must be deleted immediately 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Debt was paid

1. Please furnish the name of the original creditor ; Please furnish the address and phone number of the original creditor. 
2. Please furnish the name of the person who verified the dispute with the original creditor ; 3. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 4. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 

5. Please furnish the license of the person collecting on the debt. 
6. Please furnish the cusip information for the application. 

Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid
Complaint sub-issue: Information belongs to someone else

I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.