Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

Investigation upon dispute of accounts on my credit report took more than 30 days. My dispute letter was received by Equifax on XXXX XXXX and dispute results show XX/XX/2022 and I didn't receive the dispute results letter from the credit bureau days after that.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. 

See attached for documents.
Complaint sub-issue: Information belongs to someone else

Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has XXXX of these XXXX complaints That clearly defy the fair credit lending act.
Complaint sub-issue: Trouble with how payments are being handled

I consolidated my Direct Loan in XX/XX/XXXX. They were my loan servicer for many years and I made my regular payments on time. The loans got assigned to XXXX XXXX in XX/XX/XXXX. I again made all of my regular payments. I am in the PSLF program so I had to transfer my loans to fedloan servicing. I kept meticulous records so when I asked for a summary of my payments that counted toward PSLF they were short many payments. They claimed that several payments occurred while I was unknowingly receiving a deferment so I filled out the paperwork and had those removed. My statements from XXXX throughout the first 6 months of XXXX showed 72 qualifying payments. In XX/XX/XXXX after they received my employment certification the monthly bill showed that I had made 84 qualifying payments. On XXXX XXXX, XXXX my bill now showed that I only had made 50 qualifying payments. No explanation was given. I called fedloan and they said it was a computer glitch and it would be fixed in 60 days. It was not. After many phone calls they finally said that it would be fixed in XX/XX/XXXX. On XX/XX/XXXX, I received a statement from them verifying that I had only made 65 payments with no explanation and no dates of the payments that didn't qualify, just a summary of my work experience and the total number of qualifying payments. After examining the document it appears that only XXXX payment from XX/XX/XXXX to XX/XX/XXXX counts toward PSLF, even though I made nearly two years of payments during that time. No reason was given. On the XX/XX/XXXX billing statement the 65 PSLF payments were reduced to 56 qualifying payments. Again no reason was given for the discrepancy. I have contacted them but their customer service agents did not have any answers. I tried to get a manager in the department that could help me but I was told they don't take phone calls. I am within two years of having my loans forgiven so I can only assume they are deliberately taking these payments away. Fortunately I have kept the necessary records and sending those in to you so that you can correct this. After researching XXXX online many other borrowers are having the same issues with missing payments so I believe this is a fraudulent practice and they should be removed as a servicer. I am attaching a summary of the payments to XXXX XXXX, XXXX XXXX ( XXXX ) and the fedloan summary. I am not sure which of the XXXX payments they took away that was previously approved by XXXX. While researching I found two additional payments that they missed before, the {$220.00} payment on XX/XX/XXXX to Direct Loans and the {$390.00} payment to XXXX XXXX on XX/XX/XXXX bringing the new total to 30 payments they are trying to take from my qualification. I am sending the documentation for those. As fedloan hasnt told me which of the other payments they are not counting I am sending their own summary of the payments that qualified previously with the documentation removing the deferments/forbearance that allowed those payments to qualify.
Complaint sub-issue: Personal information incorrect

Over and over I contacted Equifax in regards to inaccurate information that was reported on my credit report which only led to months of frustrating phone conversing and weeks of faxing personal documents which only lead to further frustration
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT EQUIFAX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND  XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX XXXXXXXX AND TO XXXX XXXX  LINE OF CRED, THEY BOTH CONFIRM THAT EQUIFAX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE EQUIFAX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.
Complaint sub-issue: Deposits and withdrawals

I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.
Complaint sub-issue: Threatened or suggested your credit would be damaged

THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers 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 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continue to use stall tactic with my dispute. Equifax continue to request for identity information I have provided multiple times. I have provided multiple supporting proof documentations showing payment made and received on time to XXXX XXXX XXXX. 

Attached please find again proof of identity and supporting documentation clearly showing payment made and received on on time. I am also attaching a copy of letter directly from XXXX XXXX XXXX clearly stating that my XXXX XXXX was received on time. Please see highlighted section.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting a complaint to you today to inform you that I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

30 days ago I submitted a dispute with equifax concerning XXXX XXXX XXXX. They are attempting to collect a debt that was the result of identity theft. I explained that clearly to equifax and also attached a police report confirming my stolen identity. I also clearly explained that at the time of the incident I was living in California, not in XXXX XXXX  united states, and for me to travel there for XXXX services is  unthinkable. However, no information was given to me as to why the account was verified as accurate. All I was given was an address to a small time collection agency who did not want to delete the account and asked me to pay for the fraudulent account.
Complaint sub-issue: Card opened as result of identity theft or fraud

ATTENTION TO XXXX  XXXX XXXX XXXX XXXX CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit card account marked as late on XXXX however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.
Complaint sub-issue: Right to dispute notice not received

Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all
Complaint sub-issue: Can't get other flexible options for repaying your loan

Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged account below showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2013 Balance {$0.00}
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

EQUIFAX INC IS REPORTING INFORMATION IN MY GOOD NAME. 
I HAVE TRIED TO COMMUNICATE WITH EQUIFAX INC AND THEY HAVE NOT RESPONDED TO MY DISPUTES. 
EQUIFAX KNOWS AND IS AWARE THAT I AM A VICTIM OF ID THEFT. 
I HAVE SUMMITED TO EQUIFAX FTC REPORTS EVERY WEEK. 
XXXX XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2600.00}