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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I received notification XXXX, XXXX was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue.

XXXX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. XXXX does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XXXX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XXXX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.
Complaint sub-issue: Information belongs to someone else

I have explained numerous times that Equifax continues to maintain a debt from a collection agency that I have never had any dealings with and should not be able to maintain my social security number. Equifax stated that the collection agency has proof my identity. However, they should not have proof of my identity because I have never had any dealings witht the collection agency and have never authorize my social security number nor name or any other information to them. I have never signed anything to authorize this. The original creditor will not speak to me because they stated that they no longer have the information because they sold it to the collection agency. But Equifax claims that they collected information from the original creditor. Not sure how, if they wouldn't even speak to me. Nonetheless, the original creditor is not the one collecting the debt of {$170.00}, but it's the collection agency that is doing so and I have not had any business or relation with the credit agency and therefore, they should not be collecting a debt that I do not owe. I have reported to Equifax in the past that debt is fraudulent and that someone must have used my identity to accrue the debt. The debt was not accrued by me. I have had a history of identity theft and that is why over a year ago, I asked Equifax to put a freeze on my account. Therefore, Equifax should not be maintaining the {$170.00} on my account for the sake of being paid to do so. This is a fraudelent debt, my identity stolen to accrue this debt and I would like for it to be removed immediately. Thank you.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 I contacted Equifax to have some hard inquiries remove that I did not authorize Equifax told me to call the creditors so I proceeded to call the creditors they told me to call Equifax so I contact Equifax second Time Equifax They told me to give a police report so I got a police report and all of the supporting documents and fax them in on XX/XX/2020 I never got a response I called to talk to a representative and they told me that they receive my police report and all my documents These are the Fraudulent hard inquiries XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Debt is not yours

AFNI is erroneously reporting a collection from XXXX whom I never had business with .... I contacted AFNI on multiple occasions for 5 months now who keeps telling me they can not find this account in their system, NOT by my social, NOT by my address, NOT by account #, and NOT by address. Advised me to contact XXXX again and again XXXX   came back stating this account was validated byt AFNI and it is still on my report .... why is it ok for AFNI to damage my credit and how they can validate this to the bureau but can not provide me the consumer with details of the account ....
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : PREMIUM Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Act # 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: Their investigation did not fix an error on your report

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX  XXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response
Complaint sub-issue: Account information incorrect

Equifax is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.
Complaint sub-issue: Reporting company used your report improperly

I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2019 two ( 2 ) payments were made and posted to my Citi credit card. One in the amount of {$2500.00}, and the other payment in the amount of {$200.00}. The {$2700.00} paid my credit card off. Once the card was paid off an offer came up to take a citi flex loan of {$9500.00}. The flex loan would be offered at a rate of 7.99 % and be paid in 34 payments. It clearly showed this on my XXXX statement. This then changed the following month. {$2500.00} was being charged 21.99 % and the remaining {$7000.00} was being charged at a rate of 7.99 %. The payment stated in the Citi Flex Loan was {$230.00} each month. Now I am paying approximately {$360.00} a month versus the {$230.00}. 

This account needs to be put on the Citi Flex loan that I signed and agreed to at 7.99 % and {$230.00} a month. 
Ive contacted Citi 3 times without resolve.
Complaint sub-issue: Trouble with how payments are handled

I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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
Complaint sub-issue: Their investigation did not fix an error on your report

I summited a dispute because my indenity was stolen some used my information to apply for credit in my name I summited my identity theft report with my disputes and they still refuse to remove the unauthorized inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Complaint sub-issue: Not given enough info to verify debt

West and associates continues to call me and my fiance about a debt that is n't even mine. They can not prove the debt they claim is mine belongs to me. XXXX XXXX thearten me and called me XXXX. He said he would come to my place of employment.
Complaint sub-issue: Investigation took more than 30 days

This company is still reporting information that I do not recognize XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

Incorrect Employers : LOCAL XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

This account should be closed. XXXX XXXX XXXX is the primary account holder on this. It should not be against me or my credit records. My mom has passed away on XX/XX/2018. The debt should die with her. It's the XXXX with your claim she owes over 500. You did nothing on this account you never helped at all.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my XXXX XXXX information to apply for XXXX XXXX XXXX XXXX  ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Other problem

I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$590.00}