Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

The consumer reporting agency, EQUIFAX XXXX, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022, did EQUIFAX INC. investigate to verify this information to be true? 

XXXX XXXX XXXX received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EQUIFAX INC. assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EQUIFAX INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).
Complaint sub-issue: Used obscene, profane, or other abusive language

The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Complaint sub-issue: Account status incorrect

These inquiries I didn't authorize. Please remove. 

Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on one credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my credit score down. It alarmed me because I only have been working with one place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all 3 credit agencies/date/company to show the discrepancy of the reports and fraudulent inquiries. 

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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these credit inquiries as I didnt apply for any of these loan services or financial institutions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX is the only reporting agency that has not corrected the inaccurate balance on my XXXXXXXX XXXX XXXX personal line of credit. I called in on XX/XX/2022 and the representative hung the phone up on me when I requested to speak to a supervisor. They have failed to respond in a timely manner to my initial complaint XXXX. Ive provided all necessary documentation via fax and through the CFPB portal and EQUIFAX still refuses to do their job. XXXX and XXXX have already made the corrections. Why has EQUIFAX not corrected my consumer file?
Complaint sub-issue: Debt was paid

{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
Complaint sub-issue: Fee problem

On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.
Complaint sub-issue: Reporting company used your report improperly

In both respective reports XXXX and XXXX Equifax is violating my FCRA 15 USC and continues to respond that changes are made instead of deleting the entire reporting as requited by the law. 

I have recently filed a complaints XXXX and XXXX addressing Equifax repeated violation of my FCRA act rights protected Under 15 USC 1681b - permissible purpose of consumer reports, with the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 60 day late payment reporting for XX/XX/2021. 

THE LAW CLEARLY STATES IN GENERAL that a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given EQUIFAX written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Failure of Equifax to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against them provided by the law, for which I will also be seeking {$1000.00} per violation for which will include Defamation of Character ( per se ), Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, and Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for liability for willful noncompliance [ 15 U.S.C. 1681n ] Equifax response in both complaints XXXX and XXXX as attached here make changes to the reporting and stating Consumer Disputes this account Information while still in violation of my FCRA with the transactional details the law excludes Equifax and other credit bureaus from reporting. 

Equifax present a constant reference to investigate with the reporting agency as a inapt procedural method they have to follow to address my concern, which is in fact an unnecessary act. Equifax is the law breaker here. Equifax is required by law to specifically address this issue and not give an invalid response that they need to investigate with reporting company who has no ability to violate FCRA 15USA 1681 on my consumer report because they are not the reporting consumer agency in control of the excluded transactions history being reported in my consumer files as Equifax themselves are in control of this violation.
Complaint sub-issue: Reporting company used your report improperly

I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX  balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$1700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 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: Seized or attempted to seize your property

I've received numerous letters from XXXX XXXX XXXX, XXXX. I have no contractual agreements with XXXX XXXX XXXX XXXX. I've required LOANCARE, under the burden of proof, to show where we had a contract, or show where they have given me or my estate, XXXX XXXX, Estate, XXXX XXXX and they never responded. I suspected fraud. LOANCARE is now represented by XXXX XXXX, who is now attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I DO NOT TO OWE ANY ANYTHING TO XXXX XXXX XXXX XXXXXXXX, NOR DO I OWE ANYTHING TO XXXX XXXX. All of this attempting fraudulent claims against XXXX XXXX is against my will and consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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 an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX  ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX  {$360.00}
Complaint sub-issue: Reporting company used your report improperly

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Complaint sub-issue: Fraudulent loan

I am a natural person, I am a living human being, I have rights I know my rights ALLY violated my rights in this contact numerous of times. I demand a refund and accounts to be removed or paid in full. 

The contract was breached or violated by : 15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1640 a -Each violation is 2x finance charge 15 U.S. Code 1662 - Advertising of down payments and installments 15 U.S. Code 1692j - Furnishing deceptive forms 15 U.S. Code 1635 - Right of rescission