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

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the origin

al Consumer Account Number. Retain the original Date Opened of the first disbursem
ent.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX XXXX XXXX And Equifax are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Complaint sub-issue: Account information incorrect

I submitted request via certified return receipt to Equifax regarding removing the below inaccurate items from my credit report. 


This inquiry was not authorized! 
XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

XXXX : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal dateXX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Complaint sub-issue: Application denied

I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.
Complaint sub-issue: Debt was discharged in bankruptcy

I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.
Complaint sub-issue: Information belongs to someone else

SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE NOT MINE
Complaint sub-issue: Company closed your account

On XX/XX/XXXX at XXXX XXXX  CST, I received an email from Discover  telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since XXXX and have never been late on a payment. 

On XX/XX/XXXX at XXXX XXXX  CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history. I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was XX/XX/XXXX, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision. I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again. 

I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped {$15000.00} worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment. 

All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.
Complaint sub-issue: Having problems with customer service

This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.
Complaint sub-issue: Information belongs to someone else

I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit with the fair Credit Reporting Act XXXX account # 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX  accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX & XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX FI XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX  XXXX Account Number XXXX in the amount of {$840.00} 4.XXXX XXXX XXXX XXXX in the amount of {$1400.00} 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 Please do not close this case until results are completed, company has not been doing sufficient investigations.

I am distressed that you have included the information above 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. Please do not write this off, and please provide evidence in the form of documentation proving that these accounts belong to me.
Complaint sub-issue: Investigation took more than 30 days

I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.
Complaint sub-issue: Debt is not yours

Recently got a copy of my credit report and noticed a collection on my file that isnt mines.
Complaint sub-issue: Account status incorrect

made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Account information incorrect

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and Equifax about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Complaint sub-issue: Banking errors

So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2023, I attempted multiple times to dispute incorrect personal information on my credit report with Equifax and update my personal statement. Equifax refused to allow me to submit a dispute. This is a grossly negligent violation of federal law.
Complaint sub-issue: Debt was paid

I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.
Complaint sub-issue: Debt is not yours

I left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own. 
Thank you