Johnade/consumer_complaints_cfpb huggingface dataset:
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

According to The Fair credit Reporting Act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802 No financial institution is not suppose to share my information to share my information to third party people. 

These are clear violations of my federally protected consumer rights. Also i was looking over my credit report some address and some inquiries appear on my credit report that are inaccurate. Incorrrect names too.
Complaint sub-issue: Old information reappears or never goes away

I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.
Complaint sub-issue: Not given enough info to verify debt

I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.
Complaint sub-issue: Account status incorrect

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX
Complaint sub-issue: Fee problem

E*Trade ran an offer of 2.00 % APY if I transferred money to their " Premium Savings Account '' In total, I ended up moving in about {$13000.00}. However, after doing so, they reduced the APY to 0.05 %. That is bait and switch!
Complaint sub-issue: Attempted to collect wrong amount

This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : FXXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

This account is fraudulent XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

The National Student Loan Data System is reporting incorrect information regarding my attendance at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 's records show inaccurately that I graduated in XXXX 2011. I did not. I was attending the school through the date of closure and was scheduled to graduate in XXXX 2011. I was unable to graduate because the school closed while I was attending it. NelNet is refusing to provide a closed school discharge because of false and misleading information reported on the XXXX XXXX XXXX XXXX XXXX. I have provided them with many documents supporting the fact that i was enrolled in the school at the time of closure. After trying to resolve this issue with the XXXX with the XXXX, the XXXX told me Nelnet agreed to accept my transcripts as proof of enrollment. I have provided the transcripts, but NelNet is still refusing to grant the discharge. It states it is relying on the information on the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Citi bank is reporting a credit card on my credit that wasnt open by me. 
I tried to reach out to citi bank and make them aware but they keep sayings its verified.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with Equifax regarding several erroneous collection accounts on my credit report. I sent my dispute via certified mail and received confirmation that an employee signed for it on XX/XX/2022. As of today, I have not been able to reach anyone at Equifax. There is no record of my dispute. In addition, I need these resolved in order to pass a background check for an offer of employment. This is affecting my ability to support myself and is causing a significant amount of financial strain on me. 

I would like for Equifax to remove all the collections from my credit report at this time. I have a copy of the dispute letter for all of them as well as the receipt from the certified mail, which contained my dispute.
Complaint sub-issue: Frequent or repeated calls

When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. The account is No name Acct # XXXX, {$340.00}, XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020, I called XXXX XXXX  to have 4 fraudulent hard inquiries removed from my credit report. XXXX XXXX  confirmed the inquiries were fraudulent and said they would submit a request to Equifax to have them removed, which would take 30 to 60 days. 

On XX/XX/2020, a 5th fraudulent hard inquiry had been added. I called XXXX XXXX to get the 5th one removed. The person at XXXX XXXX  said they would not disturb the first request for the first 4 inquiries, but would add an additional request for the 5th one to be investigated and removed later. 

On XX/XX/2020, I called Equifax to ask why they had not removed the the 4 fraudulent hard inquiries on my report that XXXX XXXX  had reported to them. Equifax told me they have not received anything from XXXX and that I have to contact XXXX. Since Equifax had been telling me XXXX has to fix the error and XXXX told me multiple times in 2020 that they had sent off the request to Equifax, I wanted Equifax to allow some form of communication between all three parties to get this error sorted. Equifax had already put me on hold for a combined total of 1.5 hours this evening, but then put me on hold again when I asked to speak to a manager, where after being on hold for 15 more  minutes, Equifax hung up on me. 

I believe Equifax is not interested in fixing my problem and just wants the customer to give up and hang up so they don't have to do anything.
Complaint sub-issue: Problem with personal statement of dispute

I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Complaint sub-issue: Their investigation did not fix an error on your report

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX US BANK XXXX XXXX US BANK XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Complaint sub-issue: Contacted me after I asked not to

American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX  XXXX  and XXXX XXXX XXXX  for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.
Complaint sub-issue: Account status incorrect

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
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 : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX 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: Was not notified of investigation status or results

On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

In accordance with the Fair Credit Reporting act. I am attaching a Copy of all letters sent below. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 to cause to believe that the information is inaccurate. 

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Complaint sub-issue: Account information incorrect

I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI  and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. 

These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information is missing that should be on the report

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.