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

On XX/XX/XXXX I filed a dispute in the Equifax website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX  XXXX  ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education. 

My credit report with Equifax shows I have double the amount of student loans : the actual open accounts and balances with XXXX ( reported correctly ) plus duplicating the same loans as open and with the corresponding balances with XXXX  XXXX. Reporting my student loan accounts with XXXX  XXXX as open with the original balances instead of {$0.00} balance and that they had been closed and transferred as XX/XX/XXXX is clearly a reporting error. Equifax contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. 

It is impossible that XXXX  XXXX reports that I still have open student loan accounts with them and their corresponding balances. All my student loans were paid off and transferred to XXXX on XX/XX/XXXX as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.
Complaint sub-issue: Information is missing that should be on the report

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX , T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in Equifax report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ XXXX XXXX. XXXX ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Complaint sub-issue: Information belongs to someone else

These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, XXXX and Equifax. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
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 demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Frequent or repeated calls

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX  extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX every day. I've told the supervisor who I originally spoke with that I'm available around XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX XXXX and left a voicemail, and again at XXXX. Yesterday (XX/XX/19) I received a call at XXXX that left a voicemail and then called again at XXXX, XXXX, XXXX, and XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the creditor which is XXXX XXXX at XXXX XXXX XXXX to pay off 2 debts off of Equifax. I was told that they were removed from there record on XX/XX/2018 and that it should've been removed off my credit report. So i put in a dispute with Equifax 3 times and each time i got a email stating that the issue has been corrected.but i cant seem to get into the right page cause i keep being told that my information isn't correct.but it is ... i know who i bought a car with..i know who i got a credit card with. Im putting in my right imfo but its not right according to equfax.maybe that got wrong information i dont know. In any case the information is still on my report and i want it off.the same information was on transunion but was deleted. I truly dont undertand the problem.please help me.
Complaint sub-issue: Was not notified of investigation status or results

I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
Complaint sub-issue: Was not notified of investigation status or results

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Complaint sub-issue: Account information incorrect

I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX  XXXX XXXX XXXX  XXXX
Complaint sub-issue: Personal information

Incorrect name and a address that I have never lived at, not even lived in that town.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

There is addresses on my credit report that does not belong to me
Complaint sub-issue: Information belongs to someone else

I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score. 

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX  system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Complaint sub-issue: No notice of investigation status/result

I sent a request to Equifax to freeze my credit both in XXXX XXXX and then again XXXX XXXX per their request to send new documents. I also called in XXXX XXXX, because I had not received the pin and they said they were mailing the pin. I 've never received the pin numbers or confirmation that a pin was in place. I 've already sent all my documents Police report, proof of address, ID, ID Theft Affidavit.
Complaint sub-issue: Don't agree with fees charged

I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.
Complaint sub-issue: Problem with personal statement of dispute

To whom this may concern : XXXX XXXX XXXXXXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Complaint sub-issue: Reporting company used your report improperly

My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.
Complaint sub-issue: Account status incorrect

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account. Kindly remove it on my account. 
XXXX  XXXX Date opened XX/XX/XXXX Balance : - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX ( XXXX ENABLER ) XXXX Date opened XX/XX/XXXX Balance : {$380.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.
Complaint sub-issue: Their investigation did not fix an error on your report

I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both XXXX  and Equifax. I contacted XXXX  to investigate the issue to have this removed from  my credit file only to be told after investigation that the debt would remain. I have called XXXX  several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
Complaint sub-issue: Debt was paid

XXXX advanced me money for use in my business around XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XXXX. In XXXX XXXX reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XXXX XXXX  reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. XXXX continued to reachout to me and I told XXXX that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XXXX ( XX/XX/XXXX ) I received a letter from MRS BPO , LLC, with the acount # XXXX asking for payment of $ XXXX.for XXXX.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for XXXX and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to XXXX in full.
Complaint sub-issue: Information belongs to someone else

DEAR CFPB ; CRA 'S ; XXXX XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.