Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent out dispute letters reporting several negative accounts on my credit report that do not belong to me. It has been well over 30 days since then and I have not received any results back from the bureau. This is a violation of my credit rights.
Complaint sub-issue: Reinserted previously deleted info

I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX5 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Complaint sub-issue: Other problem getting your report or credit score

I tried to get access to my most recent credit report to see if the deleted items were removed from my credit report as mentioned in a letter they sent in the mail on XX/XX/2022 ( Confirmation # XXXX ), and was unable to. I called Equifax to see what the problem was and they told me in order to get access to my credit report and see that the disputed items were deleted I needed to send in a utility bill, drivers license, and social security card. I sent that information in XX/XX/2022, waited 7 - 10 business days and called Equifax for an update and they were still unable to give me an update.
Complaint sub-issue: Debt was paid

I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX  can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. 
Thank you, XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

There was a duplicate refund issued by XXXX, but later XXXX said they fixed it, but now my prepaid Visa gift card issued by US Bank is still unusable.
Complaint sub-issue: Account information incorrect

Both equifax and XXXX are reporting inaccurate account balances
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 XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16
Complaint sub-issue: Trouble with how payments are being handled

In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Several issues with payment count due to issues on their part several were corrected but Payment counts are still incorrect. They requested request in writing to be uploaded to my account. This was completed the first issues were corrected but i have been waiting almost a year ( XX/XX/2018 ) for a recount and correction. Payments have been completed on both subsidized and unsubsidized loans equally yet counts are off by varying amounts with Max different of 12 payments. I feel as though 10 months is ample time for this to have been completed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number XXXX XXXX number-Equifax XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

Equifax will not produce my score and this is preventing my home mortgage to approve. I wait on hold for over an hour then Im disconnected, or once I did talk to someone and they didnt understand why it wasnt reporting. This is insane!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent XXXX  and Equifax several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX - XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
Complaint sub-issue: Investigation took more than 30 days

XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Complaint sub-issue: Account information incorrect

I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX XXXX yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that XXXX, EQUIFAX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXXXXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Complaint sub-issue: Other problem getting your report or credit score

Equifax Security Breach XXXX. Fraud Alert placed in XXXX due to my information being stolen & used. I have worked for 4 years rebuilding my finances, and correcting all the issues this breach caused. I have repeatedly tried to remove the Fraud Alert, when it was pointed out by many Banks, Business 's, this was causing my efforts in rebuilding, to be stopped. Equifax has denied every Bank & Bossiness an actual updated report and current credit score. As of early XXXX, they stopped, all updating and have left my report and score, where it was in XXXX Credit Score XXXX I have fought to get this corrected & Alert removed. But they will not update my Credit Score, from its status in XXXX to XX/XX/XXXX The Alert is removed now, but Equifax is now refusing to finish the process, by actually updating my Credit Score to what it is. It is stopping us from purchasing a home, as we are told " the scores from XXXX & never been updated " .and a Mortgage Company will not accept our explanation, as to why. 
XXXX  is current in every way .... 
The only Equifax CS Person named XXXX and the 2nd person XXXX, have said is " your accounts are all in Good Standing. " I am very well aware of that. Then she gave me this " Confirmation number XXXX " Now, I am being bombarded with Equifax Sales Tactics to purchase their items. But all I want is a correted updated accurate file and current score..
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a Checking and Savings account with Citibank using the following link : XXXX : XXXXXXXX XXXX & ProspectIDXXXX The following link has been taken down but the archive of the link and what it contained can be seen using the following link : XXXX XXXX XXXX XXXX XXXX XXXX Basically, you open an account with the first link I provided during the promotion period which was XX/XX/XXXX - XX/XX/XXXX, deposit {$15000.00} within 30 days of opening the account, keep the balance at {$15000.00} or higher for 60 consecutive calendar days and then wait up to another 90 days to receive {$400.00}. I opened the account on XX/XX/XXXX, I deposited {$15000.00} on XX/XX/XXXX, I completed the 60 consecutive calendar days on XX/XX/XXXX, I withdrew {$5000.00} because I completed the promotion but kept {$10000.00} to avoid the monthly fees and then another 90 days was waited which was XX/XX/XXXX. I have tried multiple times to reach Citibank regarding this offer, I have faxed proof regarding the promotion I signed up with and they are unwilling to help me and don't recognize any promotion existed. I will be attaching everything to this case.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX XXXX XXXX -- -> {$12000.00}
Complaint sub-issue: Account information incorrect

The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries 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 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX, XXXX, Equifax, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.