Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for XXXX XXXX, not 2 loans, to put it succinctly.
Complaint sub-issue: Their investigation did not fix an error on your report

I Spoke with XXXX XXXX within the Special Consumer Fraud Department ) for XXXX hour and XXXX minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.
Complaint sub-issue: Reporting company used your report improperly

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I am in the process of trying to purchase my first home. As many people know, it is quite the process. In this process, it was discovered that a dispute was incorrectly listed on my credit report because I never authorized any dispute whatsoever. In my attempt to contact Equifax to resolve this matter so that I could get a loan for my home, I have continued to be thrown through the ringer. I called back in XXXX to have the issue resolved and was informed that it was taken care of only to find on XX/XX/19 that was in fact, a lie. So, I called to resolve the matter and the first person I talked to wanted everything down to the exact amount of my loans in order for me to verify my identity. I understand trying to protect people, but there are other ways you can go about doing that without asking me to carry every document of financial information with me in order for me to answer my questions. After I didnt pass my verification because the process is absurd ... I was asked to send in a written request. So I did. I called back with my lender on XX/XX/19 to try and get this matter resolved faster, as he has all of my information that I need right in front of him and after going through two people and a supervisor that were unable to help me I was then told that i couldnt talk to a manager because he wasnt taking any calls. They wouldnt give me a name for them or anything ... to fix a problem that they should have already taken care of months ago. How is a consumer supposed to accurately adjust their credit report with a company that makes it impossible to do so? Im pretty sure im going to lose my deal on my very first home. Equifax should be punished.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX. 

I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account. 

My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years. 

I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.
Complaint sub-issue: Information belongs to someone else

Equifax has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {XXXX}. This account has been removed from all of my credit reports multiple times, but is put back on when Equifax attempts to sell me one of their monitoring products.
Complaint sub-issue: Investigation took more than 30 days

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score
Complaint sub-issue: Contacted your employer

I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.
Complaint sub-issue: Other problem getting your report or credit score

I called Equifax a little while ago to get it to release a freeze on my credit report. I have been denied service by XXXX XXXX because it can not get a copy of my credit report from Equifax. I called Equifaxs number XXXX and could not reach an agent ; instead I was subjected to lengthy, time-wasting, irrelevant, pre-recorded messages numerous times, and, despite me hitting XXXX  several times, I could not get a representative. After calling several times and hitting XXXX when prompted to get an agent, I was disconnected.
Complaint sub-issue: Account status incorrect

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF ED/ XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX
Complaint sub-issue: Unable to open an account

Attempted to open a savings account online with the bank I am already a current checking account holder at and was denied. Denial stated due to lexisnexis identity verification
Complaint sub-issue: Information belongs to someone else

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Debt is not mine

I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
Complaint sub-issue: Problem making or receiving payments

COVID 19 cut my extra income down and had problem with overdraft and forgiveness stopped have since been able to maintain budget and working on savings to get back to pay off but still some gaps that having a couple extra dollars will help to close
Complaint sub-issue: Their investigation did not fix an error on your report

I have a debt on only one of my bureaus which is Equifax. The debt belongs to my deceased father XXXX XXXX XXXX XXXX. I NEVER lived at the residence and I AM NOT liable for his debt just because we have the same name. The company name is : The XXXX AT TR ACCOUNT # XXXX The next item is because of COVID-19 that I got behind on this account. And that account name is : XXXX Account # XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
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 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 accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX  XXXX ( Credit Card )
Complaint sub-issue: Can't use card to make purchases

well I was trying to make a purchase, & Declined & also I dON'T I should have ro do a XXXX survey when ever I want to check my balance on account.
Complaint sub-issue: Debt is not yours

After reviewing my credit report I noticed XXXX XXXX XXXX as reported multiple times. These accounts do not belong to me. The accounts are duplicates and have not been verified.
Complaint sub-issue: Account information incorrect

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory equifax says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. Equifax is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and equifax are the same while transunion is no showing XXXX. XXXX and equifax are reporting as auto loan and equifax is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Complaint sub-issue: Reporting company used your report improperly

According to Equifax 's website, my personal information was affected in the latest data breach that occurred from mid-XXXX through XXXX 2017. This breach occurred as a result of Equifax 's failure to take a reasonable, prudent level of care to protect the information from theft. As a proximate result of Equifax 's failure to take proper care, my information and the information of approximately 143 million American consumers was stolen by unknown persons, and may be used to commit crimes and other harm against myself and/or others, either now or in the future. The potential harm that I face as a result of Equifax 's failure to take reasonable care ranges from simple theft and inconvenience, all the way up to total financial ruin.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX there is a hard inquiry by ( XXXX XXXX ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXXtx ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX XXXX ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
Complaint sub-issue: Was not notified of investigation status or results

The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Complaint sub-issue: Debt is not yours

I have sent certified letters via mail time after time after time requesting this false information be removed from my credit report as they are not able to verify that the debt belongs to me. No one has responded or honored my request.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX EQUIFAX Unauthorized Inquiries ( CREDITORS ) Date Of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Filed a complaint against equifax 2 weeks ago for fraudulent activity on my credit card that I never used. They are now needing me to send verification of my identity.