Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Complaint sub-issue: Old information reappears or never goes away

I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX   can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately. 

I have attempted to negotiate with both XXXX XXXX  and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting a 30 day late on the XXXX account number XXXX. The date of last activity was in XXXX, 2017. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Complaint sub-issue: Information belongs to someone else

have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.
Complaint sub-issue: Account terms

I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.
Complaint sub-issue: Account status incorrect

I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.
Complaint sub-issue: Information belongs to someone else

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Complaint sub-issue: Debt is not yours

REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX  XXXX. NEVER! Did I give XXXX  such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name.
Complaint sub-issue: Can't get flexible payment options

The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
Complaint sub-issue: Received bad information about your loan

I am in the Public Service Loan Forgiveness program whereupon monthly loan payments made while working at a non-profit institution count towards eventual loan forgiveness. FedLoan Servicing, who services these loans and tallies payments towards eventual forgiveness, erroneously disqualified up to 22 of my qualifying payments. 

Please refer to the attached documents for tallies towards loan forgiveness dated XX/XX/XXXX versus XX/XX/XXXX respectively. As you can see in comparison, five loan sequences ( XXXX, XXXX, XXXX, XXXX, XXXX ) have dropped from 40-41 qualifying payments made to 19 qualifying payments without explanation. As each qualifying payment counts as a month, this would add an extra 21-22 months of payment onto each sequence before forgiveness is reached ( likely multiple tens of thousands of dollars of extra payments ). 

When contacting the loan servicer on XX/XX/XXXX ( representative XXXX # XXXX XXXX, I was informed that " natural disaster forbearance '' has been applied to these sequences, apparently retroactively given that qualifying payments were taken away. 

These are the periods of apparent Natural Disaster Forbearance : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. 

I have certainly never applied for or requested this status nor have I lived in an area experiencing a natural disaster ( XXXX has been my permanent residence for the last two years and XXXX for the four years before that ) so this is certainly a mistake. During this time, I made full, on-time payments each month ( see document TransactionsXXXX downloaded from FedLoan documenting payment history for all loans ). The representative proceeded to say that a review would occur but could not give a time frame ( " likely months '' ) or an explanation for this change. 

Finally, the US government is ending its contract with FedLoan in the near future, raising the possibility that if this is not resolved in a timely manner, incorrect loan counts will be forwarded to the new servicer, further adding to confusion.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are 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 creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, i submitted a dispute to equifax in regards to inaccurated bankrupcty being reported on my credit file by equifax. I submitted evidence to equifax showing that the address and the name of the person in the bankruptcy case they say belongs to me did not match my name or my address and for those reasons the information should be deleted from my credit profile. However on XX/XX/XXXX they replied stating that they verified the information and it was reporting accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to Equifax last month because they were not reporting several of my open accounts on that report and it was causing my score to be very low with Equifax at XXXX and my XXXX score is XXXX due to them reporting all of my accounts. After sending that letter the creditors ended up closing XXXX of my accounts causing my scores to further drop and not adding any of the accounts I asked them to add to my report. This is really affecting my credit tremendously and I am in the middle of buying a home and this is stopping that from happening. I am not sure why they did this to my credit my letters explains that I just wanted these accounts added to my credit not closed. Please help. Below is a list of the accounts not reporting on my EQ report Open CCs : XXXX XXXX  ( ) ( $ XXXX {$25000.00} XXXX XXXX ( ) ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX {$1000.00} TXXXX XXXX  ( XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  ( $ XXXX ) XXXX XXXX ( ) ( $ XXXX {$5000.00} XXXX XXXX XXXX XXXXXXXX ( ) ( $ XXXX XXXX  ( ) ( XXXX XXXX/1000 XXXX XXXXXXXX XXXX  XXXX ( ) ( $ XXXX ) Other Open Accts XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble closing card

Someone stole my identity and used it I did not give anyone authorization to use any of my information can you please help
Complaint sub-issue: Account information incorrect

I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/1202 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.
Complaint sub-issue: Their investigation did not fix an error on your report

There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!
Complaint sub-issue: Company closed your account

I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. 

However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.
Complaint sub-issue: Personal information incorrect

Upon starting a dispute for incorrect personal information maybe ( someone else 's name ), an update was made and other names were changed to be mine and upon contacting the credit reporter, I was told that those names are reported by creditors that I've never entered business with. This is extremely concerning as they are now falsely reporting on my consumer report. The addresses of these other name variations were removed but they illegally updated those names to show as my name. I will attach my driver 's license to show proof of my identity and residence, just as I did for the reporting agency " experian ''. I asked specifically for my one true and correct name and address to be displayed and all other variations and inaccuracies to be removed. By law, this is what needs to be done. Changing other names to reflect as mine " because '' they are attached to accounts is illegal and unethical. Please ask them do their job. Correctly and follow the law as I have to follow the law.
Complaint sub-issue: Account status

In its " Explanation of closure '' for Case number : XXXX on XXXX/XXXX/2016, Equifax stated that " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX Bank XXXX account number XXXX has been verified as reported with your Name, Social Security Number and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the Data Furnisher directly at XXXX XXXX XXXX XXXX to request copies of the documents they provided for verification of the account. Written confirmation has been mailed to you. '' In its " Response '' to Case number : XXXX Equifax further states, " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' A copy of the results of Equifax 's reinvestigation are attached ( " Results '' ). 

Although XXXX XXXX immediately removed the account when it received a copy of the court judgment, Equifax failed to do a reasonable investigation and remove the incorrect account information. Because of this, I am requesting copies of any and all documents or data provided by XXXX XXXX to Equifax between XXXX XXXX, 2016 and the filing of this Complaint. 

Please provide me : 1. Any and all records related to its investigation of my dispute, including all communications ( such as XXXX. ) between Equifax and XXXX XXXX. Including any and all documentation relied on by Equifax to ignore a court judgment in my favor on the alleged XXXX XXXX account ( if such information exists ). 
2. Immediate and permanent removal of XXXX XXXX account # XXXX XXXX XXXX XXXX from my credit file. 
3. A copy of my complete corrected credit file - not just a credit report, the *complete* file. 

Please note that eventually XXXX XXXX responded to my CFPB complaint by removing the alleged debt from my credit file. See attached letter. ( " XXXX XXXX Letter '' ).
Complaint sub-issue: Reporting company used your report improperly

On the date of XXXX XXXX, 2022 Equifax dropped my score by XXXX points after getting a credit limit increase and decreasing my balance by {$15.00} reported by XXXX XXXX - XXXX XXXX. I sent a dispute letter to Equifax concerning the matter. Please help with this unreasonable way of score dropping where the law states otherwise, which I included in my dispute letter. Thank You,
Complaint sub-issue: Problem getting my free annual report

I tried to apply for a credit dispute and could not even see my report because when asked about possible loans on my report, I had no information of them and no memory of getting a loan. I 'm XXXX and it said that there were loans as old as 2011 that I had no idea about onb my report that I ca n't see.
Complaint sub-issue: Information is not mine

I disputed this item with Equifax and a proper investigation was not preformed according to the FCRA
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. 
Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. 

I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 
DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Account status incorrect

I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment