Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX XXXX XXXX  is missing from XXXX XXXX XXXX incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account open XXXX XXXX XXXX - missing reporting on XXXX XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on XXXX and Equifax, date open, and status XXXX XXXX incorrect reporting, date open, status, payment history, and paid off XXXXXXXX XXXX  incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( Original Creditor XXXX XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly 14. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXXXXXX XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, Equifax, XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to Equifax in regards to an alleged XXXX XXXX  asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Complaint sub-issue: Problem with customer service

I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like to state that Equifax is in violation of 15 - USC - 1681 b ( A ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. i demand that they remove these inaccuracies off my consumer report they are hurting my consumer report keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consummer reporting
Complaint sub-issue: Application denied

I applied for a credit card w a XXXX credit score, I was denied. I called Citibank to see why this was denied. Citibank advised I had a card w them back in XXXX as I was an associated account holder and was never able to get a straight answer due to me not being the primary? I never had a Citibank card and never applied for one, they advised that I had an outstanding balance of over XXXX dollars ( what I gathered from talking to over 20 People at Citibank ) I have been trying since XX/XX/XXXX to resolve and can not get anyone to to assist after multiple calls and over 20 employees. All every Customer service rep wants to do is transfer me to another department, I have 8 phone numbers that I have been given by one person or another and everyone has done nothing to assist. I am reaching out to The CFPB as this is a serious violation of FCRA and FACTA Can you Please assist? 
Thank you XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with fraud alerts

Unable to get an explanation out of Equifax Information Service. They say I put a freeze on my credit report which I did n't do? They wo n't say when or how I place it, but to remove to forward updated information that I did.
Complaint sub-issue: Problem with customer service

1 ) I am contesting that XXXX XXXX does not have my original loan documentation and that if XXXX XXXX can not provide these original documents, I am not bound to contract with XXXX XXXX. 
2 ) If my original loan contracts can be produced to me : my account is currently " on hold. '' I am currently waiting ( indefinitely at this point ) while XXXX XXXX processes my request to change my IBR plan to IDR plan. XXXX XXXX is not honoring the 10-day review and processing time-frame. This request began on XX/XX/2018 ( now two months ago ). This is unacceptable. I have had numerous delays in the past. I believe these delays are due to the lack of original loan documentation. Further, XXXX XXXX is not honoring their contract with me to provide me adequate measures for loan repayment. If my original loan documents can be produced by XXXX XXXX, then XXXX XXXX needs to provide me with responsible service and acceptable means for loan repayment.
Complaint sub-issue: Problem with personal statement of dispute

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Complaint sub-issue: Investigation took more than 30 days

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Problem with fees

My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX there was in inquiry that appeared on my Equifax credit report that I did not initiate. The company name showed XXXX XXXX XXXX XXXX. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
Complaint sub-issue: Account information incorrect

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Equifax and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX XXXX and Equifax are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Complaint sub-issue: Transaction was not authorized

I got a text at XXXX on Sunday XX/XX/XXXX, as stated, " Freemsgs : US Bank Fraud : Did you attempt XXXX transaction? Reply XXXX or XXXX for a representative to reach out. Case # XXXX To Opt Out Reply Stop. '' I then got a call from US Bank ( caller ID verified ) at XXXX which lasted XXXX mins and XXXX secs. They told me they were the fraud department and seen charges on my account that looked suspicious. They said they were helping me correct it. While on the call they sent me another text at XXXX stating the following, " Your Verification Code - US Bank Cancelation with XXXX Your Reference Verification Code is : XXXX Please use this code to verify the Mobile Phone Number added to your US Bank QuickPay with XXXX profile. 
Dont share any codes during this cancellation with anyone. You can only use the code for this specific Mobile Phone Number. '' The call was disconnected shortly after that. I called US Bank ( I dialed the same number that called me the first time ), this is where they informed me I was a victim of fraud.They took {$3500.00} in total from my checking account ( XXXX transactions of {$1000.00}, and a 3rd transaction of {$1500.00} ). A representative with US Bank 's fraud department informed me that because it was through XXXX  it had to be authorized, so it is not covered/insured through US Bank XXXX These transactions were NOT authorized. We informed US Bank immediately and they refuse to help or reimburse the funds due to the fraud! I am in need of additional help with investigating these fraudulent transactions because I desperately need to get my money back. My family and I greatly appreciate any help! 

Transactions total : {$3500.00} Transaction Date : XX/XX/XXXX Bank Name : US Bank Bank Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : United States of America Bank State : XXXX XXXX XXXX Zip Code : XXXX Name on Account : XXXX XXXX ( joint account with my wife ) Account Number : XXXX Local Police report information below : XXXX XXXX, XXXX, XXXX, XXXX XXXX Police Department, report # XXXX, date reported XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

all they want to do is give cfpb some quick answer so they can close the case. you see how they are reading only parts of the dispute and taking things out of context to fit their need. this whole thing is about them not updating my name to my current legal name. i dont see that that part was even addressed at all. cfpb you continue to let them get away with this nonsense it makes no sense. whoever is reviewing these complaints should not be working there they are obviously not doing their jobs. how can they say they checked with the furnisher of the information and they verified it or addressed as as correct. I am the furnisher of the information. So clearly we are not on the same page what is going on here that you keep allowing them to overlook information and not force them to update my information correctly. 

pls see attachement for the complaint/disupute information being request. you see how they continue to address one dispute but not even address the main thing i filed the complaint about. cfpb i am asking you to step in here and not just forward the complaint to them make them abide by the fcra laws. they are supposed to update my information i have and and asked repeatedly but you're not making them do it. what is going on here?
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 a 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 XXXX 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: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Information is not mine

there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding false and unknown things on my credit report. To this day it is 56 days later I have not received any response or documentation from Equifax as of yet. I feel like I'm being taken advantage of and being ignored by my disputes. Accordance to Fair Credit Reporting Act Section 611 ( a ), it is plainly stating that a failure to investigate the items within 30 business days or more gives a reason to immediately remove the item from my credit report. It has been over 30 business days so they should remove this promptly. I demand this account be deleted soon as possible or I will file for ligation due to the stress and damages you have caused me. My information was also impacted by the Equifax data breach and may have gotten to the hands of a computer or wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to fix this with Equifax. Someone opened a card in my name from XXXX. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for Equifax. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?