Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Equifax is continuing to report inaccurate information on my credit file. 
Also, Equifax has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

Equifax sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, Equifax has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, Equifax is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Complaint sub-issue: Report improperly shared by CRC

Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.
Complaint sub-issue: Problem getting report or credit score

i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting agency, 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 XXXX has violated my rights. 

Avante USA, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an 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: Their investigation did not fix an error on your report

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, XXXX and Equifax have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account.

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off account.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Thank you for taking the time to read this letter. My name is XXXX XXXX, my email address associated with my account is XXXX. I am writing because there was a Discover Card account opened fraudulently in my name on XX/XX/XXXX. 
I was a victim of identity theft during that time, and I have a police report that proves this and I have submitted the police report through the 3 credit bureaus many times. I have disputed this Discover account for years to no avail. I even had my wages garnished for this account once it charged off even though I repeatedly stated that this account did not belong to me. I have submitted my police report on numerous occasions and Discover Bank still will not remove this account from my credit report. 
On XX/XX/XXXX, Discover Bank finally mailed me a letter stating that they requested the removal of this tradeline from the 3 credit bureaus. I can provide this letter if needed. Unfortunately, XXXX still will not remove this account from my credit report. I even submitted the letter from Discover directly to XXXX and they stated that they still will not remove this tradeline from my credit report. 
On XX/XX/XXXX, I called Discover and asked them if they would please draft another letter in hopes that XXXX would accept the new letter and finally remove this fraudulent tradeline off my credit report once and for all. The customer service rep was not helpful and stated that I would have to re dispute the fraudulent account. This made no sense to me as I already disputed this account on many occasions and Discover Bank finally agreed to have this tradeline removed as of XX/XX/XXXX. 
At this point, I am very frustrated, and I do not know which way to turn. 
I am a single mother, and I am in the process of buying my 1st home for myself and my daughter. Having this charged off account on my credit profile is hindering my chances at home ownership. I am asking for your help with requesting the removal of this fraudulent account from my XXXX credit profile.
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am writing to dispute the following inquiries on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

( XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX BANK. XX/XX/XXXX ) ( XXXX ) ( XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX BANK ( XXXX BANK XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was paid

i was a customer to XXXX XXXX in XXXX XXXX to XXXX. I have returned the device to XXXX store after relocating to XXXX, Texas. They accepted. But reported to CRA as collection with amount XXXX $ in XXXX. I provided proof and they deleted this collection account. But now without informing me they have published another collection account to my credit report thus hurting my profile. Remove this account immdiatelyXXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a microwave from home depot using the home depot credit card from citibank. The microwave was too big and we returned it. Home Depot said you can only return appliances for two days, afterwards they don't have to accept returns. I was told by the salesperson we had two days for returns if it was damaged. They got approval for the return but said that I had to pay a restocking fee, if I didn't they wouldn't accept it. They processed the return and gave me a credit of {$240.00} and had me sign for the transaction. They ran a {$37.00} fee through but never asked me to sign for it. I called Citibank and filed a dispute. I received a letter from Citibank a few days later saying since I was credited {$200.00} the matter was resolved. I called again and explained I was disputing the {$37.00} and was transferred to disputes and XXXX told me that Home Depot has the right to charge the fee. I asked why and XXXX said it was store policy. I asked to see the policy and XXXX said I would have to talk to Home Depot. I asked if they didn't have the policy how could they accept it and end my dispute. XXXX asked me if I wanted to escalate the matter to corporate, I accepted and she transferred me to Home Depot 's XXXX number. The operator told me that XXXX always did this to disputes. I assume XXXX does it to get people to quit fighting.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.
Complaint sub-issue: Public record information inaccurate

XX/XX/2017 I had filed for Personal Bankruptcy via Chapter XXXX. In the XX/XX/2017 the trustee of the Bankruptcy Court would not accept the Chapter XXXX filing due to the income levels stated by the laws of MD. Instead of pursuing Chapter XXXX case the trustee dismissed the Chapter XXXX filing. This is showing on LexisNexis as Chapter XXXX discharged. Then they are selling this information to XXXX, XXXX and XXXX XXXX as accurate information. I've spoken to the clerk of the Bankruptcy Court. In way, shape or form do they pass, sell this information to any Credit Bureau. This inaccurate information has to bought via XXXX  or some system that mines and sells public information. I've been negotiating with creditors to resolve debt. I can't have inaccurate information on my report if the debt on my original filling was never discharged.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked Equifax over a dozen times to delete XXXX XXXX XXXX as the account is closed. They show 2 open real estate mortgages, which is incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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
Complaint sub-issue: Reporting company used your report improperly

There is wrong information on my reports which are causing financial harm to me and my family. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continuing to report a Credit Builder Plus loan  XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is denying my rights under FCRA to file an online dispute, credit score and report. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.
Complaint sub-issue: Public record information inaccurate

A cancellation of Lis Pendens was recorded by Citimortage , Inc. on XX/XX/2013 in XXXX XXXX County. A satisfaction of same was also noted and recorded. 

Please remove this erroneous information from our credit report in a timely manner. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau equifax I even sent in my identity theft FTC report and nothing has not been done at all
Complaint sub-issue: Trouble with how payments are being handled

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On two occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, Equifax and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost XXXX months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this 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

I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my 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.
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/2021 this company debited XXXX from my checking account without my authorization for XXXXXXXX XXXX. Contacted XXXX XXXX and this is not company they told me to contact about my account. This was unauthorized debit from my account from Westhill LLC.