Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Problem with personal statement of dispute

Dear CFPB and XXXX representative, This complaint is a follow up to unresolved issues from 2017 filing to XXXX XXXX. XXXX 's mishandling of the account is a huge violation of the Fair Credit Reporting Act, and I urge the CFPB to take a cautious look at XXXX Credit Card actions backed by XXXX. Numerous consumer sites detail the fraudulent activity by the company in opening accounts, moving money around, restricting access and ruining consumer credit. This needs to be put to an end with an acceptable resolution. Legal action should follow if consumers are not granted an acceptable and prompt resolution. Further information in the attached word document. Respectfully, XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to equifax asking to verify information on my credit report. they fail to respond to my disputes
Complaint sub-issue: Their investigation did not fix an error on your report

on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried to send a letter requesting an investigation of my account with XXXX XXXX to the address that XXXX XXXX reported to the credit bureaus. I got the address directly from my credit report. However, my letter was returned undeliverable.
Complaint sub-issue: Public record information inaccurate

I issued a certified letter to Equifax on XX/XX/2018 in regards to a bankruptcy incorrectly reporting, Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have yet to have a response in regards to this dispute
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

I have disputed my inquiries with Equifax, XXXX, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Reporting company used your report improperly

Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

some one was able to add themselves to 2 of my XXXX XXXX cards in XX/XX/2017. now equifax put back one of the account on my credit report after it was removed in 2017. They seem to have a very poor and faulty reporting system. 

I called them in march of XX/XX/2017 to remove this person from my account, and there after they allowed charges to continue on the account after i request this fraudulent person be removed from the account. 

By XX/XX/2017 after the account was closed i had a credit balance on the account.. 

Between XX/XX/2017 and XX/XX/2017 i spent son many time and money to fix this breach, and now they are showing bcak the card on my report as a charge off. 

This is totally unacceptable, i need them to correct the error they are reporting. they are also reporting my td bank as closed when it is open. 

Why are they still allowed to be in business? They are totally not a reliable source of reporting. 

I need to file a claim against them
Complaint sub-issue: Personal information incorrect

Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Complaint sub-issue: Their investigation did not fix an error on your report

The account listed : ALLY FINANCIAL Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( Ally Financial Vs XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Complaint sub-issue: Received bad information about my loan

ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Obtaining a copy of my credit report I've noticed credit inquiries that are on my report that I have never applied for. I have reached out to Equifax to dispute these items and they have provided me no assistance in correcting this matter.
Complaint sub-issue: Debt is not yours

To whom it may concern, My name is XXXX XXXX, I recently pulled my credit report and found fraudulent account on my report. I tried reaching out to the COMPANY XXXX XXXX, received no answer or I am on hold for a long period of time. After finally getting through to someone, the conversation was not very pleasant, the representative on the phone was very rude. After stating my concerns, I reported that I want to file for an identity theft and as a result they hung up on. I have no knowledge of this account at all. Under the law I know it's my right report to equifax to remove any fraudulent account that doesn't belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Medical Bill 26 U.S. C 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Please remove this item which is not authorized by me, as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the Equifax data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.