Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Complaint sub-issue: Old information reappears or never goes away

Equifax has been restricting my online access and denying the dispute I had for an account that was originally reported by Department of Education Debt Resolution Group. Today I had received a letter from Department of Education confirming the deletion of the account with all credit reporting agencies. Both XXXX and XXXX had deleted the account off my credit report. The only one that has not processed the deletion was Equifax. They've not being cooperating with the request at all. Instead, they restricted my report online access, they also added some random name on my report. I still can't access my online account even after uploading my selfie, ID and social security card. Which is unacceptable. I've attached the letter sent by Department of Ed confirming the deletion. I need Equifax to delete the collection account and the other person 's name off my report, also restore my online access.
Complaint sub-issue: Didn't receive enough information to verify debt

I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,
Complaint sub-issue: Debt is not yours

I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. 

Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I  received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX   XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. 

I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. 

I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. 

There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act. The list of accounts below have 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 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account terms

I have XXXX credit cards from XXXX XXXX and XXXX that are not being added to my credit report. The XXXX XXXX card has been open for 11 months. They have confirmed that every month they report my account to Equifax, but equifax does not update my report causing my score to reflect a low score for several months now. They have said to talk to the credit card company instead of taking ownership of this error.
Complaint sub-issue: Account status incorrect

I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX SXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX, ha

s violated my rights 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, this creditor has violated my rights under 15U.S. code1681 section 602 states I have the right to privacy. 
15U.S. code1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15U.S. code1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Complaint sub-issue: Trouble with how payments are being handled

I was approved for Public Service Loan Forgiveness and my loans were transferred to " FedLoan ''. I am aware that this company has a history of problematic customer service, inaccuracies, and untimely handling of basic essential functions. Of course, there is no alternative servicer under PSLF so I am stuck with them. They have already delayed my first payment back a month ( originally scheduled for XXXX, but moved back to XXXX XXXX. I signed up for Direct Debit payments. I have multiple emails from FedLoan confirming my enrollment and scheduled XXXX payment. Despite this, they failed to take my XXXX payment and now have my account listed as delinquent. Unless they correct this error FedLoan will be directly responsible for stealing XXXX months of - what should have been- qualified payments under PSLF from me. This is unacceptable.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

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. Please delete immediately from XXXX XXXX. And items Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these hard inquiries please delete immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Lexis Nexis has not provided no proof of no liens showing my name nor social security number.Lexis Nexis just state things with no proof to as there response collecting data or information that is not correct nor the amount showing correct. There has been no documentation and what law gives Lexis Nexis the right by law to state information with no proof from the source that Lexis Nexis states with no documentation to support there claims. There has been no proof from the source of the debt by the debt from them stating any liens or taxes by the the debt owed to by them from them. Lexis Nexis has not provided by law any documents by the debt that Lexis Nexis states from the source Lexis Nexis just has words with no supporting proof from the IRS or State that Lexis Nexis make claims.
Complaint sub-issue: Account information incorrect

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Report improperly shared by CRC

I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Complaint sub-issue: Information belongs to someone else

These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.
Complaint sub-issue: Their investigation did not fix an error on your report

These 10 accounts have been sold over 8 years ago ; to XXXX. I have been in good standing with XXXX. However, these 10 accounts with XXXX are showing XXXX  balances, but negative reporting. I have never made any payments to them. Because, i was still in school when the loans were sold. I contacted XXXX. And, the man that answered the phone told me to dispute it and they would not fight it. XXXX  and XXXX deleted the accounts. But, I guess they are not communication with XXXX. these accounts are older than the 7 years to fall off. But, Equifax is refusing to delete them. And, the 10 negative reporting ; is hurting my accounts.
Complaint sub-issue: Personal information

Equifax has the wrong address on my file and it is messing up an auto loan. The address they have is from at least 1.5 years ago.
Complaint sub-issue: Personal information

This complaint relates to a credit decision made by XXXX XXXX for a HELOC that I applied for on XXXX XXXX 2015. I was subsequently rejected as a result of a credit score pulled by XXXX XXXX 's mortgage company through Equifax. 

In the rejection documentation I received, I was informed that my credit score as per Equifax was XXXX, with a number of negative factors impacting my score. I subscribe to real time credit monitoring, and as of the day the inquiry was made on my credit, my Equifax score was reporting as XXXX. To confirm, I then purchased my Equifax score directly through the Equifax website, which shows XXXX as of XXXX XXXX, post XXXX XXXX 's inquiry. 

I reached out to XXXX XXXX to determine why there was this discrepancy in my credit score, which was directly responsible for my application being rejected. They were only able to tell me that they were using a report and score provided by Equifax on XXXX XXXX and that I should contact Equifax with my question. I went onto the Equifax website ; there is no way to dispute this type of discrepancy online. I am only able to dispute specific information on my credit report, which does not apply here. Additionally, I tried contacting them via phone ; there was also no means through which I could have this addressed via phone. 

My complaint summary is as follows:1 ) The Equifax report provided to XXXX XXXX on XXXX showed a credit score of XXXX. The Equifax score I purchased on XXXX showed a credit score of XXXX, much higher than the reported score to XXXX XXXX. I am complaining about the dramatic difference in scores, both of which came directly from Equifax, and led to the rejection of my HELOC application. 
2 ) I am also complaining about the difficulty in resolving this directly with Equifax, as they have made it nearly impossible to do so. 
3 ) I am complaining about the impossibility of knowing what my actual credit score is and being denied credit despite having good credit, according to Equifax themselves. How am I able to understand what my credit score is if Equifax themselves can not agree on what my credit score actually is? 

I have attached a copy of my credit score which I purchased from Equifax today ( File Name : Equifax FACT Rpt ) as well as the rejection letter I received from XXXX XXXX ( File Name : XXXX XXXX rejection ). You will note the dramatic differences in scores.
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 items 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 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: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}
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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

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: Personal information incorrect

I have lived at my current address for XXXX years. The account has an incorrect address. This account is reporting as a XXXX XXXX on my credit report with an incorrect address.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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