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

I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give XXXX XXXX written instruction to furnish any accounts on my consumer reports. 

Under XXXX XXXX, XXXX. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! 

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) & XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
Complaint sub-issue: Need information about your loan balance or loan terms

Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.
Complaint sub-issue: Debt is not yours

JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX. XXXX MN have been calling and harassing me about a collection in the amount of {$590.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction
Complaint sub-issue: Reporting company used your report improperly

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Complaint sub-issue: Investigation took more than 30 days

i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX  XXXX  Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Complaint sub-issue: Right to dispute notice not received

we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.
Complaint sub-issue: Account information incorrect

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX  XXXX )
Complaint sub-issue: Public record

I have asked that a Federal tax lien be removed because it has been released. The tax lien was filed XXXX and released XXXX. I informed the representative and the supervisor according to FRCA a tax lien that has been paid or released must be removed 7 years from the file date and not the release date. I was informed that tey would not remove the lien for 10 years and they did not care who I called or if I hired an attorney because according to the information they have from the FCRA a tax lien is held 10 years and once paid 7 years from the release date and not the file date. All other credit reporting agencies have removed this tax lien and agreed that the time limit is 7 years. Equifax has caused me loss and denial of credit because they refuse to remove this out dated tax lien.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a XXXX XXXX REPORT ASASP!
Complaint sub-issue: Information belongs to someone else

So i decided to look at my credit report because I'm looking to purchase a car, only to find all of these different items on my credit report. I'm super confused as to how those accounts are there, must be another XXXX.
Complaint sub-issue: Information belongs to someone else

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, XXXX and Equifax to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a zero balance.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXXXXXX XXXX XXXX also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Complaint sub-issue: Personal information incorrect

A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.
Complaint sub-issue: Was not notified of investigation status or results

Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX Equifax and XXXX XXXX XXXX Bank - Account XXXX Great XXXX XXXX  XXXX Account XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.
Complaint sub-issue: Their investigation did not fix an error on your report

contacted XXXX XXXX, Equifax and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Complaint sub-issue: Personal information incorrect

I received my credit report from Equifax and I disputed my personal information. Therare inaccuracies with my personal name and address. I also submitted copies of my driver 's license, social security card and utility bill as proof of residence. 
My legal name is XXXX XXXX XXXX and Equifax is reporting my name inaccurate as XXXX XXXX XXXX as a former name and my middle name doesn't change no matter my status. 
I also believe the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX Belong to someone with a similar name but are inaccurate on my credit report. My address for years have been XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX
Complaint sub-issue: Problem with balance transfer

On XX/XX/XXXX I initiated a balance transfer. I requested {XXXX} be transferred to my Citi XXXX XXXX Card from my XXXX  XXXX XXXX card. The transfer was marked complete by Citi on XX/XX/XXXX and {XXXX} was charged to XXXX XXXX Card. However, XXXX XXXX never received a payment from CitiBank. I called CitiBank three times and they told me to have XXXX XXXX open an investigation. XXXX XXXX stated they can not investigate a payment they were not notified was coming. CitiBank has elevated this as an investigation despite claiming it was not their fault. I verified all of the account information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized hard inquiry made by US Bank on my credit today ( XX/XX/21 ). I did not in any way solicit, inquire or communicate with anyone related to this and only learned about it when I received an alert about a hard hit on my credit. I am on XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I requested the a method of verification with XXXX, Equifax and XXXX about an Bankruptcy and I have attached the response from XXXX which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.
Complaint sub-issue: Public record information inaccurate

In 2014 I surrendered my home to the XXXX due to a layoff ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ). The house was sold XX/XX/2014 to the highest bidder, it's new owner is XXXX XXXX XXXX XXXX, which is public record. Equifax is the only creditor still reporting this as my home which is false information. It's been removed from XXXX and XXXX. I'm in the process of trying to buy a new house, and this error is making it very difficult for me and my family.
Complaint sub-issue: Other problem getting your report or credit score

I have tried to get my Equifax report at least 5 times by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them 3x and to be told their systems are down or they unlock my account but have to wait 24 hrs to have access. I also been hang up. 
Dates : XX/XX/20. 3 times called to get help logging, reset password. No help. Unlocked account told to create a new password with agent on the line but unable to get in. In background you could hear cheering and I asked what was going ... representative said someone sold something. I thought I was speaking to Equifax credit report agent then he told me to wait half an hour to try to log in. He then said the system is down. I called two hours later with the same issues and the agent hang up on me. 

XX/XX/20 : I tried to get my Equifax report again by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them again and some to an agent for 30 hour. She stated their system is down and could not help me with log in. I told her that I wanted to dispute some items. She took my personal information and confirmed my identity. She then took down what I was disputing then put me hold. I was with her on the phone for over 30 minutes to only get hung up again. 

Please help me resolved this issued. My information has been compromised by Equifax and I need to make sure to correct the errors. I have done research and I am not the only person having this issued.
Complaint sub-issue: Trouble with how payments are being handled

After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.
Complaint sub-issue: Confusing or misleading advertising about the credit card

My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.