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

On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.
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 Account # XXXX, XXXX XXXX Account # XXXX 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 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: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Investigation took more than 30 days

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name LENDING CLUB account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted Lending club you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
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/2021. And now we are in the month of XX/XX/2021 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.
Complaint sub-issue: Account information incorrect

These accounts are Unauthorized and unverified accounts on my credit report
Complaint sub-issue: Debt was paid

Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to XXXX a cable company. I had contacted XXXX disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The XXXX representative stated they would adjust my bill. I am still a XXXX customer. I received no communication that XXXX was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt.
Complaint sub-issue: Was not notified of investigation status or results

I disputed this acct ending in XXXX 2 times for several late payments being reported for XX/XX/XXXX, XXXX, XX/XX/XXXX, and no payment listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the acct which are inaccurate. 

The 1st dispute was done online and equifax is telling me that the verified all these late payment no payments are accurate from their investigation.So 2nd dispute was done by us mail and i mail documentation that included billing information that verifies payments for the acct to equifax on XX/XX/XXXX, a month had passed and i never received any response to my dispute. 
On XX/XX/XXXX i called equifax customer support number and ask for status of my dispute, the customer service rep said there is nothing showing in their system for my dispute, i explained to her my tracking number showed it was delivered to XXXX XXXX XXXX in XXXX, XXXXShe said she would transfer me to consumer affairs once someone in that dept becomes availble, i ask her if she has ever seen this happen before, she said " yes '' .After aproximately 20 mins, i was transfer to a consumer affair rep, who did some checking and said we dont have a dispute in our system, i explained to her the post office tracking number for the letter shows it delivered on XXXX suggested i send another dispute, i told her that F.C.R.A specifies 30 days and this is already day 35.
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 XXXX XXXX XXXXXXXX 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: Their investigation did not fix an error on your report

I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Having problems with customer service

i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ;
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In 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 an account without my written instructions
Complaint sub-issue: Can't stop withdrawals from your account

I have an account with XXXX. PNC keeps unlinking my card to make payment withdrawals for this account.
Complaint sub-issue: Debt was paid

XXXX account I had had been canceled and equipment had been returned to store in XXXX. About a year later around XXXX of XXXX a XXXX rep called trying to collect on a debt before it was sent to collections. After talking to them for quite some time I was able to get it sorted out and took a screen shot of my XXXX account showing a paid in full status with {$0.00} balance on XX/XX/XXXX. Rep told me they would send a letter but a letter never came. In XXXX Jefferson Capital showed up on my credit report showing an account that they were collecting on from XXXX. I've disputed this account multiple times and each time they verify it as accurate. I recently was able to get the screen shot showing a zero balance off an old phone. When I disputed and included this screen shot they still verified the debt as accurate due to the submitted document being an image file and not a letter.
Complaint sub-issue: Investigation took more than 30 days

I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At 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  and XXXX has violated my rights.

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

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX  times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, XXXX.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX. Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


EQUIFAX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XXXX  Account Number : XXXX, Account Number : XXXX, Account Number : XXXX
Complaint sub-issue: Received bad information about your loan

We have a spousal consolidation FFEL loan given to us through the financial advisors at the college. We were told that it was an ed loan just consolidated incase one of us died. We were never told that it would not qualify for PSLF. I have 14 years working for the USDA and my wife has years in early childhood education. After years of IBR, we were denied for forgiveness. No one would tell us why. When XXXX  made FFEL part of forgiveness, we applied again. After multiple calls we were informed that we would never get it because of the spousal consolidation. We called AES and they told us they wouldnt work with us and there was nothing we could do.
Complaint sub-issue: Debt is not yours

There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX was contacted on XX/XX/2021 on behalf of reporting inaccurate inquiries on credit file. Also EQUIFAX could not verify that the consumer gave permission to report on credit file violating rights under 15 USC 1681b.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Had the company to run my credit report I gave them authorization to do so in XX/XX/XXXX and also XX/XX/XXXX. Looking on my credit and its showing the hard inquiries and they ran it in XXXX and XXXX of XXXX when I only was aware of the months I stated in the beginning.
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed the account XXXX XXXX multiple times and have yet to receive any results or response from the company. I am a identity theft victim this account is not mine and I never authorized this account to be created on my behalf nor did I benefit from this account in any way.