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

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXX. This account is being coded incorrectly. This account needs to be coded as an M1. ( Please see pages 18, 19 and 21 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Contacted me after I asked not to

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Trouble with how payments are being handled

Unresolved Private Loan Complaint. I am trying to communicate with SallieMae about struggling to make payments and they offer no options besides to continue paying. They constantly harass my co-signer and even when I continue to make the minimum payment. I am close to defaulting and they refuse to help. However, I still make the monthly payment except it is considered late because I have a balance I can not fully cover. It is affecting my credit score and causing a lot is a lot of stress even when I still try making the monthly payment. My first issue is I originally had applied for this loan online but because there was an error I made I contacted support and they assisted me to cancel and reapply over the phone. Though I do not recall ever agreeing to the current plan I am on which is in-school interest payments plan. Therefore I had requested multiple times for them to go back to this call and reassure me that it is what I had agreed to. They never get back to me with this information and only ask me to keep paying. They provide the worst service even as a full-time student where they dont really help. They tell me I am making the minimum payment required yet the current payment plan I am on is the same as the original plan I am told I had signed up for. So I am not sure how this helps in any way. I have asked them if they could change it to forbearance but they say once I agree to terms I can not make changes. Feels like a trap to me when signing up with them. Another issue is the school Itself to where I used to pay these loans toward to. I am no longer in that school as it left me without a choice along with this massive debt that I feel seems fraudulent and also in the process of looking to file a complaint. This also prevents me from getting the potential financial help for my current school. But most importantly as of now I need this issue with SallieMae to be finally resolved. Please feel free to contact me at ( XXXX ) XXXX or email XXXX. 
Thank you.
Complaint sub-issue: Information belongs to someone else

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXXL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

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

Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is Navient being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is PHEAA reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.
Complaint sub-issue: Didn't receive services that were advertised

With every one of my credit cards I can get a XXXX  score. I can do this on their web site. 
With Best Buy, Home Depot and Sears I can not get a XXXX XXXX. I have called each company and I get one excuse after another. 
How can I get a FXXXX  score from Best Buy, Home Depot and Sears. 
Thank you.
Complaint sub-issue: Confusing or missing disclosures

I opened account with us bank and they closed it and are refusing me my money and its XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am unable to contact Equifax in reference to several Hard Inquiries that were observed on my credit report. These hard inquiries were unauthorized, fraudulent and were done without my consent. Please delete from my credit report immediately as this is damaging my credit score. I am also requesting for the security alert to be removed from my credit report. As I am unable to contact Equifax. A security freeze will be applied by me once the security alert is removed. 

XXXX XXXX XXXX ( 2 ) XXXX- XXXX - ( 2 )
Complaint sub-issue: Funds not received from closed account

I'm in the process of withdrawing my pension funds.I 'm a former Citibank employee my date of separation was XX/XX/XXXX. 

I've had conversations with the benefits department from XX/XX/XXXX up until today XX/XX/XXXX.I was continually told that I would not be able to have the funds until XX/XX/XXXX at the earliest. 
Each time I explained to the representative that this is a financial hardship and that I need the funds as soon as possible. I also asked numerous times from XXXX the representative I spoke to today XX/XX/XXXX why does it take 30 days? XXXX responded by saying it takes that long to process and again I said to her I know it does not take that long. Once it's reviewed it can be submitted for payment, still no answer, just that's how long it takes as per XXXX in the benefits department. 

I'm at a point where I need whatever help you can give me to get these funds transferred. I returned my pension kit this afternoon at XXXX Arizona time.
Complaint sub-issue: Reporting company used your report improperly

My complaint is in regards to the recent Equifax security breach and the way they are handling it by pushing those affected to sign up for their paid service TrustedID Premier. Their official response has been extremely disgraceful and crooked. 

I refer to two articles that highlight some of the corruption behind their response : XXXX XXXX article - " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX Article 2 : XXXX - `` XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX
Complaint sub-issue: Problem during payment process

My name is XXXX XXXX, I'm writing to Complain about Macys Credit card I recently bought a new house and during closing, the Borrower closing requirement is to present a Cashier check paying off my credit card debt, XXXXXXXX XXXX XXXX XXXX Texas send my Payment to Macys, The Amount of {$8800.00} on XX/XX/2022, Macys received the Check and Cashed it on XX/XX/2022 but failed to update my account till this present Moment, Macys Continue to report my Credit Usage as High, Charging me Interest rate on a debt that has been paid, all effort to resolve the issue with Macys prove Abortive. 

Attached is the Copy of the check front and back that indicate Macys City Bank cash the check on XX/XX/2022 This has cause my credit score to go down and prevent me from buying car, because i will be paying High Interest rate with Low Credit Score. 
I have called Macys Several times with No result, i have submitted a Dispute no response.
Complaint sub-issue: Their investigation did not fix an error on your report

My interaction with Equifax has been frustrating. I noticed that there were XXXX fraudulent accounts, XXXX  ending in XXXX and XXXX Bank ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed by certified mailing Equifax a packet of information with copies of an identity theft report, SSN card, driver 's license, and proof of address for their identification purposes, and a cover letter stating. Initially when they received my packet they removed both of the fradulent accounts but this past month in XXXX, Equifax said that they had conducted investigations into both accounts and supposdely " verified '' that those fradulent accounts were mine. I was never contacted by them to ever provide any sort of documents or statements to help verify anything. Equifax had reached out to the furnishes who would've been XXXX and XXXX and used them to determine " verification ''. But according to the FCRA, I am the only person that can verify such type of information. They reinserted both of the accounts and now they both are reporting on my personal credit report. This is continuing to cause harm to my reputation, stress and disruption in my life and causing me emotional stress. Once I they notified me that both accounts were reinserted, I certified mailed Equifax an affidavit of truth one for the XXXX  and one for the XXXX accounts with all exhibits mailed to them up to that point and explained how they illegally reinserted the XXXX fradulent accounts back onto my personal credit report. These were mailed on XX/XX/2022. They've yet to send me a response or delete either account and they received one on XX/XX/2022 and the other on XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Equifax has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Equifax permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Equifax permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Equifax, and their registered agent in Utah where I reside. Because Equifax refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609. 

Equifax has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Equifax does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

Equifax is reporting an account that doesn't even have a tradename and I've requested that it be deleted, yet it hasn't. How could Equifax have verified or validated an account whom they don't even have an entity to contact? 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX XXXX 9. XXXX XXXX DELETE the inquiry from XXXX - XXXX XXXX as I have never done business with them or given them permission to access the consumer file or consumer report concerning me. This tradename does not exist and is not registered to do business in Utah. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Equifax permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Equifax has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Equifax has investigated properly before posting derogatory information. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

At XX/XX/2018 I purchased an item from XXXX store for {$39.00}. Counter clerk said payment with XXXX credit card has been declined so I used XXXX XXXX XXXX card. Few days later I returned an item to the store and got my refund into XXXX XXXX XXXX account at XX/XX/2018. 
Unfortunately some time later I got a call form XXXX Customer Service noticing me that late payment fee will be charged if I will not pay my balance from XXXX credit card. I disagreed to do that and went to XXXX XXXX store for explanation. The only help I could get there was a phone call to XXXX customer service. They remove late fee penalty but never take back item price from my balance even I was asking for that. 
Since that I had two another similar calls with XXXX XXXX Customer Service, every time they are removing the late fee but not item charged price. Recently I got on paper XXXX Account statement showing on my balance price of never purchased item with this card and multiplied fees for late payment. Of course my credit score has been also harm b/c of this situation.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - ACCT # XXXX DEPT OF ED/XXXX- ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX XXXX- ACCT # XXXX XXXX - ACCT # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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.