Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Problem with customer service

As part of the Public Service Loan Forgiveness Program, I have submitted to my loan servicer multiple payments that meet eligibility that they have not counted. They have denied these multiple times without a reason given. I have gone on to submit an Ombudsmen report via the FederalStudentAid website, however, it is has been over 5 weeks without a response. I have called both FedLoan Servicing and the Ombudsmen 's office multiple times, however, have received no updates or further information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX, XXXX, 2020 XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX Made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  XXXX XXXX  made an unauthorized fraudulent inquiry on my credit report.
Complaint sub-issue: Information is not mine

I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
Complaint sub-issue: Trouble with how payments are being handled

After Great Lakes was bought by Nelnet my law school loan was transferred. Nelnet offered a XXXX interest reduction for signing up with automatic debit. However, I have never received this benefit in the year that I have had automatic debit set up.
Complaint sub-issue: Didn't receive notice of right to dispute

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
Complaint sub-issue: Company closed your account

I am writing with all respect since I believe that you are the right people to help me solve the financial problem that I am facing, due to the negligence of the same CITI BANK employees, hoping that justice will be done to me with the credit card from your entity, which I have been using it for approximately 22 years, and it was canceled, without any reason, so this is my complaint that I have been doing for about three months, without anyone from CitiBank giving me a valid excuse All this harassment began on XXXX, when I requested to stop the automatic and / or recurring payment that I had been making from my checking account # XXXX to the credit card account : # XXXX On XX/XX/XXXX, an official of said entity, XXXX is his name, told me that he would take charge of solving the problem, either by stopping or stopping the automatic payment of the same card, without at any time mentioning that what I was going to do was REVERT THE PAYMENTS or something similar. And, on the other hand, I NEVER requested a refund or reversal of payment ( s ), which has just aggravated the situation. 

On the same XX/XX/XXXX, I got another letter with dated XX/XX/XXXX where I was notified that my CREDIT CARD WAS CANCELED DUE THE BAD MANAGEMENT, that as you can see, when the mishandling could have occurred, if it had not even been able to use it again because the employees to the bank had blocked it many months before, and I didnt a chance to defend myself, nor the opportunity to correct or clarify the mistake made by the Citibank people, much less make the payment that was required so that the credit account was not closed. - On XX/XX/XXXX, I got 5 letters dated from XX/XX/XXXX, the same month, so very intimidating, where the bank accused me to committed fraud!! and I must to pay immediately!!, For all this above and for what my rights have been trampled on, I request you the following petitions : 1- My credit card account mentioned above is reopened. 

2- My credit report is not affected. 

3- It tells me how I make the payment of the balance of the credit card in question. 

4- Justice is done by restoring my rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX  and Equifax. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Complaint sub-issue: Their investigation did not fix an error on your report

Dispute filed XX/XX/XXXX. Received update on dispute XX/XX/XXXX. Dispute investigation verified the information I was disputing as inaccurate ( two accounts belonging to someone else listed on my report ). I called the bank who holds these accounts, and they have no record of me as a customer.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX has 3 different times denied my XXXX Loan Forgiveness ( I've XXXX  for 6 years in a XXXX XXXX XXXX  and still XXXX  here ), because of arbitrary things like " The date wasn't filled out in DD/MM/YYYY format ''. The issue is I'm STILL XXXX   at my XXXX, so despite my principal writing Currently Employed in the " End Date '' field, XXXX denies me for the above reason, which makes no sense. I've tried 3x to receive customer service and each time received circuitous or repetitive responses, and it feels at this point that they are actively trying to deny new applicants for whatever loophole reason they can find. I have PDFs of my application as proof of this if needed.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on  my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Debt is not yours

I do not owe the amount stated on my credit report. Plus this account was charged off. I have noticed once per year that they are entering the information again making the account look open.
Complaint sub-issue: Information belongs to someone else

There are a few accounts on my report that I do not recognize
Complaint sub-issue: Problem during payment process

A credit card due date can be any day of the month. When a due date falls on a non-business day ( e.g., weekend or holiday ), I should still be able to schedule the payment on the due date and the issuing bank can process it on the next business day. Even the CFPB 's FAQ page states, " If the due date was a day the card company wasnt receiving or accepting mail generally weekends or a holiday you have until XXXX p.m. on the next business day. '' Unfortunately, US Bank does not appear to allow the scheduling of a payment on weekends or holidays on it's website or mobile app. Further, if choosing the next business day, it indicates that it would be late and suggests scheduling it for an earlier date. I spoke with a US Bank customer service agent who appeared to be unaware of the issue and put me on hold to get more information. When the agent returned, she agreed that the website and app do not allow for scheduling on a non-business day. While the agent could accept such scheduling over the phone, it appears that US Bank is systematically forcing customers to pay earlier than the due date. Offering a manual scheduling over the phone may be an effort to show compliance, but is not a convenient channel and both the website and app ( normal payment scheduling channels ) both encourage earlier payment scheduling. It may be a minor issue for each customer, but it appears to be systemic and violates regulations. Please investigate and let me know the outcome ( or tell me that I'm not correct ). Let me know if you'd like me to upload a screen shot of this situation. Thank you!
Complaint sub-issue: Information belongs to someone else

The most recent card opened in 2017, I don't recognize and I don't/never had an account with. 

Most Recent Account XXXX XXXX ( Opened XX/XX/2017 ) It also says I have {$18000.00} in revolving debt that I do not know about. I have my credit cards that I know and I have a small balance on one ( > {$2000.00} ). 

So I am confused ... either that is a mistake or someone took a credit card out with my information.
Complaint sub-issue: Information belongs to someone else

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Didn't receive enough information to verify debt

Tried on several attempts since XXXX to get debt verified. Now that its XXXX No response.
Complaint sub-issue: Information is missing that should be on the report

Equifax shows no active accounts on my report even though I have had a XXXX XXXX credit card account in good standing for over 20 years. 
They did show it, and the balance was wrong so I disputed the amount. At that point they began showing that the account does not exist. 
I have notified them of the problem and spoke with XXXX XXXX. XXXX XXXX assured me that Equifax has been receiving reports which show my account is active and in good standing.
Complaint sub-issue: Information belongs to someone else

I tried to contact the lenders they said they could not do anything as the accounts were sold off to debt collectors even though they did not belong to me, They said to contact XXXX and have them removed. I did exactly that now I need to put in the report to block the lenders from reporting someone else 's information onto my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

For several months I've tried to get Equifax to update outdated and inaccurate personal information. I've also tried to have them remove inquiries on my report that I did NOT authorize. Per the FCRA, this is a violation of my rights as only updated and accurate information is to be reported. Equifax 's refusal to abide by the law and fix their mistakes is inexcusable. It leaves me open to fraud, is causing me undue stress and costing me money.
Complaint sub-issue: Account status incorrect

After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello, My Name is XXXX XXXX, i am currently XXXX years old, I have retired. I have a student loan that i cant repay. I filed For bankruptcy around XXXX and tried to stop the debt collector, but found that that is impossible. 

I have lost everything when the market crashed in XXXX, and had since been permanently XXXX due to a XXXX. I live with my kids, I no longer work and only live off my SS RETIREMENT. I cant seem to stop the penalties and interest on a student loan that took out for my child in XXXX. The school has closed, ran with the money and never was able to offer a degree. We are not the only ones affected by XXXX COLLEGE which we are very disappointed. The Loan was with XXXX XXXX and has been moved to XXXX. I no longer have any information. 

I dont have any ability to earn money and cant afford payments.
Complaint sub-issue: Public record information inaccurate

Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
Complaint sub-issue: Other problem getting your report or credit score

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except 3 balance DECREASES across separate accounts. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports.
Complaint sub-issue: Debt was paid

This amount has been paid in the amount of XXXX of this year
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, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.