Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have XXXX credit files with equifax and have called multiple times to get them merged. I have sent my verification information several times. I keep getting the run around. Every time I call they say they dont have any information. It is beyond frustrating and you can not get a supervisor on the phone or file a complaint with equifax. This is the only credit bureau that I am having a problem with. The others are correct.
Complaint sub-issue: Report improperly shared by CRC

Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

this is true to the best of my knowledge also I am not using NO third party company. I've sent Lexis Nexis a letter on XX/XX/2022 stating to remove inaccurate information and I have yet to hear any responds. attached are my document ive sent them.
Complaint sub-issue: Debt is not mine

I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.
Complaint sub-issue: Attempted to collect wrong amount

Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??
Complaint sub-issue: Information belongs to someone else

I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.
Complaint sub-issue: Their investigation did not fix an error on your report

Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap   ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX and XXXX  XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Complaint sub-issue: Account status incorrect

I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
Complaint sub-issue: Problem with statement of dispute

I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXX XXXX  IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have a few unauthorized adverse XXXX XXXX XXXX XXXX accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and equifax provide me with a confirmation numbers for every account mentioned here. Please send me my consumer report showing the deletions as proof or evidence. The accounts to be removed are two XXXX XXXX charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal
Complaint sub-issue: Problem with personal statement of dispute

I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.
Complaint sub-issue: Received bad information about your loan

I submitted a consolidation application for my Direct loans so that I would get payment counts increased from payments made from XXXX under the PSLF waiver. I nearly backed out of my consolidation as a result of the letter I received on XX/XX/XXXX saying that I would lose credit for the nearly 70 payments I already had ( without the additional 4 years of payments that will be added with the waiver ) toward PSLF. I still went through with the consolidation but my payment counts have still not been updated. ( FedLoan is the loan company. ) My previously approved employer still hasn't been updated either but I believe that is through the FSA but FedLoan will not review my PSLF application without the employer being approved ( even though my employer has been approved for the last 3 years. ) Ironically, they have the auxiliary department ( non-profit arm of the hospital ) approved in the help tool but not the actual hospital which is city-owned. Once these payments are counted, I will be very near forgiveness if not completely forgiven. I submitted ECF forms in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none have been processed.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MO XXXX XXXX, 2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.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 following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Complaint sub-issue: Problem with customer service

Representative XXXX ( ID # XXXX ) provided me false information in regards to my account. Failed to transfer me or my request to the executive office. Failed to provide an appropriate resolution to the problem with my account. Failed to protect the privacy of my account and my account details.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted Equifax via certified mail and via telephone about unauthorized inquiries on my consumer report was told that they would not be removed because companies can authorize reports as needed. The companies in question I have not approved nor do I have business with. It is illegal and needs to be fixed asap.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.
Complaint sub-issue: Problem accessing account

I tried connecting to a company that needs access to my pnc account. It's not allowing access.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am suffering mentally and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.
Complaint sub-issue: Received bad information about my loan

During the month of XXXX 2016, I kept getting bombarded by calls about getting help on my student loans. Finally I gave in to pick up a call, where a lady from a company called Student Services proceeded to tell me that she 'll get me a lower rate for a fixed income rate and consolidate all my loans, etc. etc. She also said that for that there is a fee of $ XXXX for the first month of XXXX, and the proceeding months will go directly towards my student loans and I would have a fixed rate of {$390.00}. However, due to actual mails from the Department of Education and the loan servicer XXXX, I was able to find out that this was not the case at all, and this third party Student Services is a scam that has been taking money from me without actually doing anything. The XXXX representative had to reset my actual student loan account so that this third party would not have anymore information, and they also explained to me that 1. I am not on a fixed income payment plan, 2. consolidation of my loans could have been done for free, and finally 3. no payments have been paid towards my loan at all and that I am currently on a grace period. I tried to call the company 's number on the paperwork that was provided for me, but the number seemed to reach some kind of third party phone services. Therefore I would like not only help investigating this company, but also my money back from all the payments I 've been making towards this scam.