Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Complaint sub-issue: Not disclosed as an attempt to collect

This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. 
This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. 
Thank you, XXXX XXXX
Complaint sub-issue: Information is not mine

I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

i recieved a letter in the mail saying to pay jefferson capital services or i  would get arrested. i do not know this company. they are not on my credit report. i owe no collections.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX credit plan open my account that I did not request them to do so. I just got a letter from them stating they close my account that I never open the account with them in the first place
Complaint sub-issue: Investigation took more than 30 days

I have two accounts ( XXXX XXXX XXXX, XXXX ) that are under investigation with Equifax that have been under investigation for about two months now- please see the attachment.
Complaint sub-issue: Account status incorrect

I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 wire from friends XXXX XXXX XXXX  EDD of XXXX XXXX. 
US Bank accepted the transfer and then closed her account for Fraud Investigation which was negative and said they would return the money.

Could take up to 6 months even though EDD money was for hardship death of Mom. After many attempts to Branch and many letters was told 6 months up in in XXXX Went to branch in XXXX and was told that they could take as long as they want
Complaint sub-issue: Their investigation did not fix an error on your report

On 2022XXXX, I submitted a credit report dispute to have my legal name corrected on my credit file. When submitting the dispute using their online portal, I attached clear and legible copies of the below : - Current XXXX Driver 's License with new name and current address - Current Social Security card with new name and signature - Court Ordered Name Change Judgment with new and old names, signed by a judge On 2022-XXXX, Equifax responded to the dispute with the below message : " PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ''
Complaint sub-issue: Information is missing that should be on the report

I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT
Complaint sub-issue: Problem with rewards from credit card

Hello, and thanks for your help. According to my credit card statements from Citi in XX/XX/XXXX through XX/XX/XXXX, I earned about XXXX XXXX points with the XXXX XXXX  XXXX card, opened XX/XX/XXXX. However, these points have not shown up in my XXXX account. After many phone calls with customer service representatives at Citi and XXXX, the problem has not been solved, none of the points I earned are in my XXXX account, and my case has not been passed along to service reps who have the resources to help. 

Summarized timeline : On XX/XX/XXXX ( 3 months after earning the points as verified on my credit card statements ) I called Citi and gave my XXXX account number to verify they are putting points in the correct account. The rep told me, presumably after making some change in the system, to wait and check if the points appear. They didn't. Meanwhile, XXXX phone reps were unable to see my earned points or track down if Citi had sent me any points for the past half year. XXXX guessed I should make a new XXXX account in case my old account is broken. On XX/XX/XXXX I created a new XXXX account and called Citi to give them the new XXXX Member ID and asked that all my earned points be moved into the new account. Citi said they'd escalate the case and contact me with the resolution. Citi has not contacted me. Half a year after earning rewards, I have not yet received any.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ( REMOVE ACCOUNT IMMEDIATELY XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the accounts with AES -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX   -- was never informed of this either, if so, then PROOF PLEASE ). I've been disputing for the past few months because I have been monitoring my reports and having accounts validated. After some time, AES sent me a promissory note that was not even originally sent to them ; it was not for them at all. I asked for validation that included original documentation bearing my signature and that shows a clear contractual agreement with the company/companies reporting on my credit files. The promissory note sent to me absolutely does not -- because again, as you will see from my attachments, the note was not even addressed to them for payback at all. I am filing separate complaints against the bureaus for constantly coming back with results claiming truly unverified, invalidated accounts are " verified '', " verified as accurate '', and " validated '', basically taking these companies ' word for it -- NOT that there is actual proof, which is required under the FCRA and FDCPA. They are essentially violating law, which is one of the reasons for my complaints. In addition to the promissory, I have included one redacted letter sent to XXXX  as an example to them of what I've been requesting from each of the major bureaus ; it is the final letter I sent to XXXX and displays the seriousness of this matter.
Complaint sub-issue: Can't get other flexible options for repaying your loan

AES student loans : -notified me last fall ( XXXX  ) that payments were no longer on pause -I began making payments again -I kept seeing news that student loan payments were still on pause -I reached out a few months ago and inquired why I was still making payments if everything is paused and I wanted my money back -They didn't answer my question and just said if I forced to be refunded, it would put my account in collection status -I stopped automatic payments -My husband lost his job and my income is sporadic and well under XXXX XXXX/year -I applied for an IDR plan and submitted all the information -I kept getting notifications that my application was incomplete, however, I also applied for an IDR with XXXX XXXX XXXX XXXX and they had no problem reviewing the exact same info and completing the task -I messaged AES asking specifically what was needed and they never let me know XXXX only that it was incomplete and I would receive something in the mail with more information -I never received anything in the mail -I have tried to apply for student loan forgiveness as a past employee of nonprofit organizations -I 'm doing everything I can to keep these current and have a repayment plan that reflects my income but I don't know what to do anymore -I don't understand why AES has been hounding me for payments when everywhere else seems like it's on pause -At the moment, I can not afford the payment they have set for me and I don't appreciate the lack of information or willingness to help in the situation at all
Complaint sub-issue: Account information incorrect

I called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about
Complaint sub-issue: Problem with customer service

The bank is denying me access to my online account. They also refused to allow me to make a complaint.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX CR XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

My credit reports are showing a " 30 day '' late payment in XX/XX/2022 from Elan Financial Services. The payment in question was due on XX/XX/2022 and paid on XX/XX/2022. 

This payment was 17 days late, not 30 days late. This derogatory record needs to be removed from my reports, as it cost me XXXX points on my XXXX  score. 

On XX/XX/2022 I submitted a dispute through XXXX and XXXX. Elan verified to both of XXXX and XXXX that the " 30 day '' late payment was correctly reported. It is not correctly reported. Elan has, in violation of the FCRA, verified false information to the CRAs.
Complaint sub-issue: Don't agree with fees charged

I do have a student loan open with XXXX. I am currently repaying my loan on their terms. i received a letter from RevCrest Inc. about two months ago and they stated they were holding my loan. I sent a debt verification letter to them and I have received nothing. This is their second attempt to collect on a loan I do not owe. They are also asking I put my social security number on all documents. I feel this company is fraudulent and a scam.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
Complaint sub-issue: Frequent or repeated calls

I currently have a personal loan with Citibank. I made a full payment in XXXX, but according to Citibank, I'm still behind. I have spoken to the representatives of the loan department and they have not offered any remedies to resolve this debt as their correspondence has stated. They call me non-stop at all hours of the day. And recently, they've been calling and not saying anything. Saturday, XXXX, from phone number XXXX @ XXXX a call came in but no one said anything. The call terminated. On XXXX ( Sunday ) from phone number XXXX @ XXXX, the representative was adamant about receiving payment. and just this morning a call from XXXX @ XXXX XXXX came in, but no one said anything. 

A full payment towards this loan was made last month. During this Pandemic, this loan is not a priority, however, I am still making payments, I will not be harassed in the process.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed via certified mail of several documents on XX/XX/XXXX to Ewuifax disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX  &  XXXX, filed with the XXXX Tennessee Bankruptcy Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Equifax stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from Equifax, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from Equifax was XX/XX/XXXX.
Complaint sub-issue: Problem lowering your monthly payments

I WRITING BECAUSE I NEED FED LOAN TO VALIDATE THIS LOAN
Complaint sub-issue: Public record

I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Reporting company used your report improperly

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of XXXX and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.