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

XXXX account XXXX. High credit balance reported as a loss by credit grantor. Balance Credit Limit is {$0.00}. 15usc 1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Complaint sub-issue: Threatened or suggested your credit would be damaged

{$770.00} being reported as delinquent when I didnt contract with this agency.
Complaint sub-issue: Account status incorrect

Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
Complaint sub-issue: Information belongs to someone else

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But XXXX still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account below, 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. 

Collections : Account Number : Ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX  Credit Card Original Balance XXXX Credit limit : XXXX Reporter : Equifax XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Credit limit : XXXX Reporter : Equifax Not my debt please remove Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

-March XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Bankruptcy Court : XXXX XXXX Date filed XX/XX/XXXX Equifax
Complaint sub-issue: Account status incorrect

I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX  that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX investigated into XXXX and adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX, however in XX/XX/XXXX the company did three inquiries on XXXX  and made it appear as if I applied for an additional loan however I did not. they utilized my personal information ( social security, name and address ) without authorization and permission conducting fraud I informed the credit agencies to no relief. in XXXX I had EQUIFAX investigated into XXXX  on or around XX/XX/XXXX and EQUIFAX adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX and thus completed in XXXX. This past month the balance again appeared to approx $ XXXXso I had EQUIFAX RE-investigate and there was no change. the reporting after the XXXX terms is not accurate I have contacted XXXX  as well as attorney general but no response from creditor and I am telling EQUIFAX to delete this account as did XXXX  and XXXX when they took the time to simply look at terms of the loan of 24 months, however EQUIFAX did not contact me for documentation that there company stated they lost my file.
Complaint sub-issue: Information belongs to someone else

1. This does not belong to me. 
XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Don't agree with the fees charged

Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. 

It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. 

As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. 

Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. 

Thanks, XXXX
Complaint sub-issue: Information is missing that should be on the report

There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!
Complaint sub-issue: Reporting company used your report improperly

I am writing to file a complaint that Equifax mishandled my personal information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and Elan Financial Services regarding the same issue for more than a year and to no avail, no action taken place.
Complaint sub-issue: Debt was paid

Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.
Complaint sub-issue: Debt was paid

Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX has reported a derogatory item on my credit reports. The claim I owe them {$2900.00} on an account that I have no knowledge of. I never had service or an account with this company. I disputed this account with the credit bureaus and they refuse to take it off of my report ... .claiming that it met the FCRA requirements. This is not true. I reached out to XXXX With a complaint and they said that they have no record of me at all in their system. Yet the credit bureaus continue to report this information.
Complaint sub-issue: Received bad information about your loan

Cares act directed all student loans to be placed in forbearance and allowed for refunds of automatic payments past XXXX XX/XX/2020. I requested the refund as the forbearance time did not affect my PSLF and payments would be made under the fares act. My email request was never answered but when I called 4 months later asking why it had not been acted upon they said it is always better to call directly. I explained that I had used there email option due to XXXX XXXX military move and they said always call. I am disappointed with the response in that they had an email option to request refund. I feel this is predatory in nature on fedloan.
Complaint sub-issue: Account opened as a result of fraud

Comerica Bank sent me a notification via mail on XX/XX/22 that a checking and savings account was opened up with my name. 
It included personalized checks. 
Account # XXXX Routing # XXXX
Complaint sub-issue: Personal information incorrect

i sent out a dispute letter XX/XX/2020 and i havent recieved a response
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXD XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Contacted your employer

On XX/XX/XXXX I received a call from XXXX. I was asked to call another number at XXXX and provide them with the claim number XXXX. I spoke to XXXX at XXXX XXXX XXXX. She mentioned that their company was hired to collect a debt from XXXX. She offered me a settlement amount of XXXX. I told her that I would call her back. Later that day, she called me again. I did not answer. 
Today, XX/XX/XXXX my place of employment received a call about garnish procedures. They left a message with the place of employment general number. They mentioned my position as the person of contact. My identity was easy to identify. I also received an email at my place of employment email. I never provided this information. I did pay the debt because I felt uneasy about the threat and I risk losing me career credentials.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX  XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/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
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five written requests, the unverified items 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 mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/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 a account without my written instructions.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX Date XXXX Amount : {$4100.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid {$3500.00} to XXXX XXXX to provided website activity to sell books on XXXX. Was shown a XXXX video presentation how to sell books online " Business and cost '' I was told I would get support, and 2 software to access for XXXX sales ( arbitrage ) and trades and no further cost involved to start the business except for buying books. After accessing member area stipulations are different, must follow training for 1st 30 days, training videos are outdated from 2017, mentoring cost, other vendors fees, plus their offer refund policy 90 days double money back guarantee with weekly purchased of 4 books per week. After 6th day of watching outdated training videos, I wrote to ( XXXX XXXX XXXX | XXXX - Support Team XXXX ) about the training videos, and i ask for a refund and XXXX said i can not get back any money he insisted to keep with program that i dont want to continue anymore this is very difficult to folowing, that's why i wan na may money back. it looks like a scam to me, then is not responding any emails. I just want they refund the money. I contacted my credid card ( best buy city bank ) but they say i canceled it too late, but this is whog because i did cancel after 6 day, i called citi bank again they dont want to deal with this. 
Please help me, there is others with the same situation, this book trade company dont care about it. there is lots of complaints on XXXX XXXX XXXX 
than you!