Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Complaint sub-issue: Account information incorrect

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Complaint sub-issue: Debt is not yours

I've Sent 2 609 Letters To XXXX Disputing Collection Accounts With XXXX XXXX XXXX. I Don't Know Who These Companies Are And I've Never Done Business With Them Or Signed Into Any Agreement With Them. I Advised Equifax That According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify. I've Demanded To See Verifiable Proof Back And Still Have Not Seen Any Or Gotten Any In The Mail. I Spoke With XXXX With Equifax Who Was Rude And Not Very Helpful. XXXX Also Put A Block On My File So When I Call In I Can not Get Assistance, Forcing Me To Only Deal With Equifax By Mail. XXXX From Equifax Who Was Clearly From A Foreign Country Out Of The US Had Me On Hold For Almost 2 Hours And Then Disconnected The Call When I Asked To Speak To A Supervisor. I Would Like These Collections Accounts To Be Deleted Immediately.
Complaint sub-issue: Problem making or receiving payments

I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.
Complaint sub-issue: Banking errors

This has to do with my earlier case number XXXX with CFPB. First of all, let me congratulate you, CFPB, for playing the good catalyst or policeman or XXXX type role, thus making sure that my case was handled appropriately, correctly, with all the evidence and analysis i had provided, regarding the 20 fraudulent ATM cash withdrawals and associated fees, that had occurred in XXXX in XX/XX/2022 earlier this year. Citi Bank has refunded me the stolen money, but they missed one transaction, only 19 transactions were counted by them, although my appeal letter clearly pointed this out also. so, i am bringing this up, an inadvertent banking error, or typo type error, let us say, and i would like this to be addressed by them also. I am very much convinced that CFPB involvement here made sure that Citi Bank did the correct thing, chose the side of truth, light and fairness instead of untruth, darkness and XXXX. Thanks very much for your help. 
ps : PLEASE TELL YOUR FRIENDS PERSONAL REQUEST FOR HELP from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX EMAIL IS XXXX MOBILE NUMBER IN USA IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OF USA,,,, XXXX XXXX XXXX 
THANKS VERY MUCH FOR YOUR HELP, SUPPORT, SPREAD THE WORD, GOOD VIBES, BLESSINGS ETC.,, PLEASE TELL YOUR FRIENDS.. 
REGARDS AND BEST WISHES. XXXX ... 
YES, OUR CHILDREN XXXX, WERE XXXX, YES
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax went public with news that they failed to prevent a breach of their security and millions of American 's sensitive identifying data was taken by cyber-criminals. Unfortunately, despite having never personally done business with Equifax, their website says that I was affected. Equifax has profited for years on the buying and selling of my personal identifying information. Because of their inability to keep my personal information safe, I will forever have to deal with the consequences of their actions, not my own, and their actions may make it harder for me to buy a home, a car or for my future kids to afford college. This is devastating and none of it was my fault.
Complaint sub-issue: Information belongs to someone else

There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.
Complaint sub-issue: Received bad information about your loan

I have multiple student loans, one specifically through NelNet. On Monday XX/XX/XXXX, I was receiving information from them to my email that my payment was due that I was unaware of so I called nelnets customer service specifically to get my account up to date and figure out what was going on. As expected, they asked me my answers to my challenge questions that secure my account which is standard so I didnt think much of it. Since my account was locked out for 30 minutes, they said they would call me back. When they did, they started charging my account for large fees claiming that I needed to stop making my student loan payments because they were going to consolidate them. They also said in doing it this way my loans would be forgiven in 240 months. They charged my account XXXX, and my fathers account XXXX ( CO-signer ). This is obviously a student loan scam, as nelnet called us directly on XX/XX/XXXX, telling us that our payment was still overdue and that the department of education would never charge an upfront fee because this is something you are able to apply for free of charge. This is how we came to find out that this was indeed a scam and the previous company was NOT nelnet we were working with directly.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to XXXX6 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to US DEPT OF ED as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against US DEPT OF ED in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 US DEPT OF ED is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract againstUS DEPT OF ED for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. US DEPT OF ED has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities. I was never informed full material disclosure pursuant to Truth In Lending Act. I have requested several times documentary evidence showing I owe this alleged debt and nothing was ever produced.
Complaint sub-issue: Information belongs to someone else

This is my 2nd 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 alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I also tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX-Balance $ XXXXDate Opened : XXXXHigh Credit : {$4000.00} XXXX-Balance $ XXXX Opened : XXXXHigh Credit : {$2600.00}
Complaint sub-issue: Called after sent written cease of comm

I recently established an account with XXXX ( XXXX ) in attempts to settle my debts so I do not have to file bankruptcy. I have made written/verbal and cease of communication notice to this company XXXX One Main Financial XXXX and they continue to harrass me not only at home, but on multiple cell numbers and at work twice after a cease of communication notice was sent to them XXXX/XXXX/15 and confirmed receipt of this by a threatening call from the owner of the local branch XXXX XXXX XXXX XXXX. One Main Financial has continued to call my workplace with threatening tatics, etc. I received another call at work XXXX/XXXX/15 at XXXX from XXXX with One Main Financial and again requested verbally that she not contact my work number. I have given their company contact info ( Phone/address, etc ) for XXXX which is now attempting to settle my debts.
Complaint sub-issue: Not given enough info to verify debt

I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.
Complaint sub-issue: Problem with fees

Last Month XX/XX/XXXX I was made aware for the first time that I was enrolled in a Citibank Debt Protection XXXX XXXX. I called and was horrified to learn that for over 20 years I have been paying for an insurance add on that I never enrolled in. The total amount of the fees from XXXX to today was {$14000.00}. I do not have the total from XX/XX/XXXX to XXXX but can only assume that is well into the thousands as well. I have called Citibank and all their affiliate ( XXXX  - better known as XXXX XXXX XXXX ) about these charges and each one keeps telling me I need to contact the other. I want a complete refund starting from XX/XX/XXXX to XX/XX/XXXX for all the fees I paid. Looks like Citibank was fined and paid out XXXX XXXX to customers. I was not one of those customers. I feel physically ill learning I was deceived and frauded for over 20 years. Please help me address this matter and begin to have trust again in the American Banking institutions. Thank you.
Complaint sub-issue: Reinserted previously deleted info

I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX ; XXXX XXXX Bank # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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

Dear CFPB & Equifax. 

Please see this as a formal dispute yet again -- for erroneous activity on my credit report that is harmful to my credit profile. I have sent over 45 pieces of mail to Equifax this year. 

My most recent disputes were sent via certified mail XX/XX/2021 ( listed below ) in which Equifax has not responded. Equifax continues to lie to the CFPB and write me with delays only to state they have verified or contacted the company, but that is not correct. I have proof of their negligence to report accurately. Your company has closed complaints of mine with Equifax that still aren't resolved. 

Furthermore in the following stack of tracking numbers, I sent a complaint with a specific request for information from Equifax about the following GHOST collection ( picture attached ) which was removed 4 years ago, and suddenly resurfaced on my credit hurting my credit a few months back. This account was paid to the original provider before it was sold to collections. The resurfacing of this illegal collection activity not verified during the dunning period when I first challenged it and also previously removed by equifax is illegally reporting.Equifax has ignored my requests as to why, and therefore should be removed. 

Equifax has not furnished a reason or documentation that I have requested as for why the GHOST debt has suddenly reappeared. This has been disputed online 3 times, by mail 3 times, and over the phone 2 times. I WANT HELP with full legal resolution. 



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

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please remove this account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I have submitted several police reports stating identity fraud. I have given Equifax a copy of my Colorado Drivers License. A copy of my Social Security Card and a copy of the police report for the identity theft. The two XXXX accounts were filed under Identity Fraud along with the police report. XXXX was listed as 6 times paying late when in fact this was incorrect. the two other Credit bureaus were listed as no missing or late payments. Only Equifax is showing 6 times. This needs to be fixed. There is a XXXX XXXX account which is not mine. My address has me living in Georgia. I sumitted proof that this Identity Fraud. I have never lived in Georgia. Equifax is not changing these errors. I am asking that they delete the errors. Equifax is the worst of the 3 credit reporting agencies, especially when it comes to fixing and deleting their errors.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019
Complaint sub-issue: Information is missing that should be on the report

I refinanced my car to XXXX XXXX and I cant find the XXXX Account on my credit report.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : XXXX XXXX XXXX XXXX