Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it.
I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help.
I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EQUIFAX BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX SENIOR VICE PRESIDENT, AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX PRESIDENT OF U.S COMMERCIAL SERVICES AND CORPORATE CHIEF OFFICER OF EQUIFAX WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EQUIFAX HAD ME LOCKED IN TO!
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute against Americollect for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it ) that you have on file and I also requested Ameicollect to Provide a copy of my signature with the provider of service to release my medical information to Americollect. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/2021. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Errors on Credit report being reported by XXXX Hello, Below is Equifaxs description of a charge-off. 
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. 
On my credit report the following accounts are listed as charge off but are paid in full according to an agreement with each of them from credit counseling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent Equifax proof of the agreement and the payments for each from the dedicated payment account. Even with proof all of the above accounts are still listed as charge offs. By the definition of charge off the account is not a loss and can not be sold to a collection agency as it is paid in full by agreement thru credit counseling ( before it got to this point ). This has caused me to be denied a business loan and a home equity loan as they think that I still owe money to each creditor. 

Please update the status of each to paid and closed and the balance to XXXX. 

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

An accordance with the Fair Credit Reporting act XXXX Account # 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.
Complaint sub-issue: Account information incorrect

I opened a charge account with XXXX XXXX XX/XX/XXXX, I was approve for {$1000.00}, I have never used this account at all. The account was closed/transferred/sold on XX/XX/XXXX which dropped my credit score. I just got a alert today XX/XX/XXXX stating that my Equifax credit score dropped another 16 points due this same account being acquired from another lender. The company name is XXXX XXXX / XXXX XXXX. It is no fault of mine that this company 's accounts has been acquired, Again I have never used this account so my score should not be affected.
Complaint sub-issue: Received bad information about your loan

I received a notice from FedLoan Servicing dated XX/XX/2022 informing me that a PSLF certification form did not include the end date of employment. The notice did not identify the employer in question and did not provide any information that would enable me to identify the certification form allegedly missing this information. Due to that lack of information, I was required to call PHEAA and have now been sitting on hold for more than hour to speak with a " specialist '' for the sole purpose of obtaining a single piece of information that could easily have been provided in the written notice and which is absolutely necessary in order for me to respond to the notice. I tried the option of requesting a call back but that did not work and I was left with no choice but to wait on hold. PHEAA, which has profited enormously through its incompetence in student loan servicing, should be required to compensate me for the time irretrievably lost to said incompetence.
Complaint sub-issue: Account status incorrect

I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.
Complaint sub-issue: Account information incorrect

According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

These people call me repeatedly. They are also calling me at work. They identify themselves as One Click Cash and ask me to return the call. I do n't know who they are, and I have n't taken out a loan with them.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is reporting information on this account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report.
Complaint sub-issue: Investigation took more than 30 days

Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I received an alert from XXXX advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.
Complaint sub-issue: Information belongs to someone else

As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.
Complaint sub-issue: Account status incorrect

I paid I off my loan earlier than expected due to a promotion XXXX XXXX was running. I was told around XX/XX/XXXX that I could take advantage of an early payoff option. I could pay my account in full for the amount about {$250.00} ( cant  recall the exact amount ) that and save on the rest of the payments and interested. Of course I accepted bc that would save me a lot of money. The account was then closed as paid in full. About a year later, the reporting on this account changed to 60 days late. After speaking to an agent at the store I purchased the account from, I was advised of some accounting errors due to change of staff. Although I made the payment, it was not posted to my account until later which made my account delinquent. This was in XX/XX/XXXX. I was told it would be corrected because they also were reporting I still had a balance of {$2600.00}. I waited 30 days for my reports to update. The balance went to {$0.00} but they never removed the late payments. Long story short, Ive been calling every month to get this fixed. Ive spoken to the manager XXXX ( or XXXX ) at the store and he advised he is waiting for his supervisor to email him back. He does see the error but only she can send in a request to have this updated. I still have not heard back from anyone. I contacted the store on XX/XX/XXXX. XXXX said he would get this corrected asap and apologized. He said he would return my call but I have not heard back. I have also spoken to the female assistant manager but she did not give me her name. I have disputed this with the credit bureaus but I dont feel they are investigating this thoroughly. I have sent a request by mail to corporate office to have the payment history updated but have yet received a reply. My phone calls and voice messages have not been returned. I have called corporate on XX/XX/XXXX and was transferred to someone in credit. I spoke to XXXX, and she insisted they were not reporting incorrect information. She kept telling me that they were not reporting any 60 day late for XX/XX/XXXX but on all the reports it clearly shows that. She insisted it was not being reported. She went over the times a was few days late but I explained to her those payments were late because the someone added inasurance to my account that I did not accept and i had to wait for the manager to adjust my balance. This continually happened where they either never really removed it or someone was going back in to add it. I did not pay that. I only paid what my installment was and the rest had to be corrected by them. She also did not want to accept a copy of my report for review or send an update to the credit bureau. She said she would have a higher up review it and contact me but I have not heard back. I just want the late payments for XXXX XX/XX/XXXX removed and the account to report as paid. Right now it is reporting 60 days late and still open. I have disputed it several times and I has not been corrected.
Complaint sub-issue: Can't close your account

On XX/XX/XXXX, I requested Citibank close my checking account. They confirmed they would do so ( see attached image of chat transcript ). They DID NOT follow through with the request and then charged me a FEE on XX/XX/XXXX. Now they are REFUSING to close my account due to the overdrawn fee that was charged AFTER they said they'd close my account.
Complaint sub-issue: Information belongs to someone else

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, Equifax, and XX/XX/XXXX with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Complaint sub-issue: Can't get other flexible options for repaying your loan

Unfortunately, my vocation in life did not come with strong financial guarantees. I work for a XXXX XXXX as a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX. While being mom to my work kids, I am also a single mother of XXXX. I am grateful for the education I received and work that I do but I have always struggled with my student loans. This has led to default, and recovery, and default again. Every time I get into a decent situation like a low repayment rehabilitation agreement, the regular payments that follow become too much. Finally, I found my way to income driven repayment plans and public service loan forgiveness. This looked like it would lead to a reasonable future where I could handle this burden only to find out that the window to that future closed on XX/XX/XXXX. Back in XX/XX/XXXX I had begun researching these options and had put in a request for my loans to go on hold while I applied for consolidation. However, I had been in so many plans that turned out poorly, I had wanted to consult with a professional beforehand to make sure the option I had chosen would not come with dire financial consequences down the road. At this time I was informed that my loans were defaulted, that I would not be able to consolidate, and I could not even get into a rehabilitation agreement if I wanted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax XXXX XXXX in regards to the fraudulent reporting of an account with XXXX. I am a victim of identity theft and have supplied proof of my FTC Affidavit along with proof of my identity yet this fraudulent account is still reporting on my credit. Equifax has not removed this information from my credit reports despite me contacting them numerous times and are per the Fair Credit Reporting Act 15 USC 1681c-2a this information was to be removed within 4 days upon receipt of this correspondence. 

My consumer rights have been violated and I intend to now file a lawsuit with federal courts if this is not immediately rectified. 

Please see attached certified correspondence with this company.
Complaint sub-issue: Don't agree with fees charged

I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity and added accounts to my credit history I don't even know of. I am not sure how but I am determined to get this resolved because I am on the verge of losing my job! All because someone somewhere is acting as me or impersonating me somehow. I did not consent to any of these accounts and will like them removed immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

In XXXX Money Lion Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.
Complaint sub-issue: Account information incorrect

on XX/XX/2018 i sent a letter to XXXX  XXXX requesting them to verify my signature on the item that they say i owe $ XXXX haven't heard anything regarding this item that is damaging my credit report.