Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I first contacted Equifax approximately 2 months ago because I was told by a mortgage company that I needed to unfreeze my Equifax report. I tried to register for an online Equifax account but every time I did, I got a message stating I needed to call Equifax. I was told the first time that my account was not frozen and I should try again to register. I tried again and got the same message. I called back and got someone who spoke very poor XXXX. I asked to be transferred to the XXXX but she refused. I have called Equifax 8 times. The XXXX time I called I was told that my name was misspelled and thats why my account was frozen. I was told to fax a copy of my Social Security card and driver license so they could fix it. I was not comfortable doing this but I was told they wouldnt fix it if I didnt. I faxed the information on XX/XX/22. I called Equifax on XX/XX/22 and I was told the fax hadnt been received, even though I had conformation that it had been. I again asked to be transferred to the XXXX and I was told they dont do that. The representative told me she would correct the spelling of my name and I could check that evening and unfreeze my account, she gave me a conformation number. I checked that evening and I still couldnt register for an account. I called Equifax back on XX/XX/22 and and gave the representative the conformation number, but there was no such number in their system. Again I asked to be transferred to the the XXXX and again they refused. I asked for a supervisor and he told me he would escalate this to their tech department, but there was no time frame for when it might be corrected.
Complaint sub-issue: Trouble with how payments are being handled

already filed a complaint forgot to add the second attachment.
Complaint sub-issue: Public record information inaccurate

i inquired how XXXX XXXX was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from XXXX XXXX informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX breached their contract and duty and still until this day failed to provide a receipt that a loan was ever given where is the receipt? XXXX XXXX  had 7 days to respond and resolve this issue the XX/XX/XXXX.  XXXX XXXX  never responded and there is a breach of contract on the fault of XXXX XXXX  who still fails to show the receipt that a auto loan was given. Also XXXX XXXX given third parties XXXX XXXX information without XXXX XXXX written or express consent this violates title 15 USC 1692 SECTION E
Complaint sub-issue: Personal information incorrect

I have contacted Equifax several times to get this issue fix. I contacted Equifax on XX/XX/2018 and recently on XX/XX/2018. On XX/XX/2018 I received a confirmation # XXXX that the following address has been deleted but these address are still associated with my account. All of my personal information is incorrect with Equifax. My name is spelled incorrect. My employee is listed incorrect and associated or previous address are still showing up on my report. I have included a screen shot of a recent report from Equifax still showing the former addresses listed.I have also included ID for proof of identity for name correction. The only address that should be showing up on my report is the XXXX XXXX ... Proof of current address is also included.
Complaint sub-issue: Reporting company used your report improperly

Equifax not only continues to report false and misleading information about me on my credit file, but also when I attempted to have the items corrected, I was told that they do not even have a credit file for me. This is false, misleading and is an unlawful violation of my consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent dispute letters all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. I appreciate your assistance!
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Account opened as a result of fraud

Someone tried to open a US Bank account in my name and a debit card was sent to my previous address. 

Someone tried to open an account with XXXX XXXX y to hat wasnt me
Complaint sub-issue: Personal information incorrect

I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX  years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009
Complaint sub-issue: Account status incorrect

To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from XXXX, Equifax an XXXX credit karma that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the XXXX period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C  SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Frequent or repeated calls

They have been harassing us for a month. They only let it ring 2 times then hang up.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..
Complaint sub-issue: Information belongs to someone else

I previously disputed my collection with XXXX for XXXX XXXX  with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.
Complaint sub-issue: Trouble closing card

i can't get through to close my account. every time i called it say there is a high volume of calls. i've had a different account since XX/XX/2020. the information with the veterans administration is current. i haven't used the direct express account at all. except because my last covid relief payment was sent there instead of my current bank account. since then i have been calling trying to close that account. every time i've called there's the same message. also, when i've tried to transfer the funds to my current account i'm charged a fee to transfer it. it's never transferred. then i'm charged another fee when the funds and credited back to the account. i've had several other previous issues with this company. that, along with the fact that there is no checking, or credit reports issued, is why i changed banks.
Complaint sub-issue: Information is not mine

I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID , Proof of address  and police report.
Complaint sub-issue: Account status incorrect

In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Complaint sub-issue: Personal information incorrect

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Complaint sub-issue: Don't agree with the fees charged

I previously filed a complaint through CFPB, today we received a response from the lender and the complaint was closed, however, the explanation from the lender was absolutely false and exactly the reason why they need to change my payment and backdate it to {$130.00}. In sum and substance, the portion of their explanation that is pertinent to the complaint is as follows When the recertification application was processed on XX/XX/XXXX, FedLoan Servicing determined that the family size had been reduced and that the marital status had changed in comparison to the previous year. The IDR monthly installment is directly dependent about your household income and family size. As a result, the monthly installment under the PAYE plan increased from {$130.00} to {$280.00}, effective XX/XX/XXXX. 
This information is fraudulent and absolutely false, my family size had not changed, as they are very well aware of - through the numerous conversations weve had with loan officers, nor had my marital status changed from the previous year, I have been divorced since XXXX and head of my household, single parent to a XXXX  and XXXX  to an elderly parent, my household size is three, and has been - for four years. Nothing has changed, so they are making false statements in the response to the original complaint ID : XXXX. I demand the payment be calculated accordingly and backdated as they have now made contradictory and false statements to this organization, when stating that my family size or my marital status changed, none of which is true.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for inaccurate on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly be corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Complaint sub-issue: Debt is not yours

AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector
Complaint sub-issue: Investigation took more than 30 days

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Complaint sub-issue: Their investigation did not fix an error on your report

My first letter with this company was last  XXXX   2016 . I have been writing letters to this company for more tha n two years. I 've made several request for this company to investigate, re-investigate, requested c opies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in pla  ce even though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing   at all.
Complaint sub-issue: Account status incorrect

My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that Nelnet reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.
Complaint sub-issue: Frequent or repeated calls

This appears to be an XXXX XXXX XXXX back on XX/XX/2018. I have repeatedly contacted the XXXX  accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the XXXX  it was paid, then told it is for the XXXX. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is showing a 60 day late inaccurately on my XXXX XXXX XXXX loan and I was able to get this corrected on the other 2 bureaus but not this one.
Complaint sub-issue: Information belongs to someone else

I had Identity theft, Equifax is still reporting a charged off account from XXXX XXXX ( Credit Card ) on my personal credit report. XXXX and XXXX have already deleted this account off my personal credit report. I have sent Equifax required documents for removal, they are insisting this account is mine per there investigation. I have submitted a Police report with all required information per them for removal and they still won't. I can not upload these documents to you per the bullet points due to personal information, unless you request them. I have sent required documents to XXXX XXXX XXXX  as well. XXXX is telling me I authorized someone to open this account on my behalf. I have requested validation letters, contracts with signature and how they are investigation my claim per the Fair Credit act and I  haven't received anything in the past 90 days.
Complaint sub-issue: Debt is not yours

Upon receiving my credit reports from XXXX XXXX XXXX XXXX on XX/XX/2018, I noticed a negative/derogatory line item from XXXX XXXX XXXX, XXXX in the amount of {$6300.00}. I have sent two certified letters to XXXX XXXX requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. XXXX responded by saying that they verified the account. However, they have not shown proof of my signature. XXXX went on to say ( in their most recent letter ) dated XX/XX/2018, " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.
Complaint sub-issue: Investigation took more than 30 days

XXXXXXXX XXXX XXXX {$150000.00} Balance updated XX/XX/2021 9 late payments fcra violations never late
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$630.00} XXXX  XXXX {$2600.00} XXXX   XXXX  XXXX $ XXXX XXXX XXXX  XXXX {$1000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX  Reported : XX/XX/XXXX+ {$350.00}