Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

on   XXXX   XXXX   i called Equifax 3 times, was hung up on twice, the last person named   XXXX   took my complaint and he said that for inquiring on    XXXX   XXXX   XXXX    this will add another 10 years which will not remove til    XXXX   XXXX    This is a fake. this account has been inactive since   XXXX   this is now  XX/XX/XXXX , i then called   XXXX   XXXX   and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a   XXXX   XXXX  , i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago.   XXXX   XXXX    is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -   XXXX   took the help of the   XXXX   because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on Equifaxs form:
equifax report

  XXXX   XXXX  

  XXXX   XXXX   

  XXXX   XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX   XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$2300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I had a credit card account with Elan Financial that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or ELAN financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the ELAN financial regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to ELAN financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Complaint sub-issue: Problem accessing account

I am a landlord. XXXX group offers the ability for my renters to ach their rent payments to me. My rental account is with PNC Bank. I attempted to set it up on my end. It starts with XXXX and to enter my PNC account I am redirected to sign in my PNC account. I enter my PNC username an password and then I hit a wall that says " PNC has made a change that prevents you from being able to link your accounts. '' XXXX suggests filing a complaint with cfpb. 
Surely there should be a paper form signup option until whatever issue is resolved.
Complaint sub-issue: Debt is not mine

Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
Complaint sub-issue: Debt is not yours

i written the following companies with a debt validation letter and had no response, The company americollect and XXXX XXXX. I asked them to provide the original contract with my signature, the full payment history, name and address of original debt collector, and proof that they own the debt or have permission to collect. i have not recieved these and i would like them removed from my report!
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 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 XXXX 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: Problem getting your free annual credit report

Problem with EQUIFAX, can not get my free annual credit report. Ordered my annual free credit report from Equifax and both other agencies I have done for years, I called XXXX. I thus far received my XXXX  Report on XX/XX/2019 without issue, but EQUIFAX sent me a form letter dated XX/XX/2019 stating " We are unable to locate a credit file for one of the following reasons 1. ) You may not have a current file, or 2. ) You have not applied credit recently or 3. ) You have not actively used credit in the past 10 years '' Following receipt of the letter, I went online at XXXX and I could not get the report there either, said unavailable. 
Of course all of these are false, and being a Federal Government Employee, I currently have my Credit Frozen at each of the agencies, but have active credit cards I use and pay off monthly, and use a PIN for any new Credit Requests.
Complaint sub-issue: Investigation took more than 30 days

I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXXXXXX XXXX XXXXXXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  Bank XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX Bank and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. 

I wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. 

How can I have a balance of {$7500.00} but the company cancelled the debt. 
How can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS .

How can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. 

Furthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. 

How is any of this legal? 
How is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. 
How many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? 

I am asking that the credit bureaus remove this erroneous account from under my name ASAP. 


*IRS proof attached XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.
Complaint sub-issue: Need information about my balance/terms

The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter to Equifax requesting to positively verify or remove four unknown accounts and three fraudulently inquiries listed on my XXXX  credit report and they have yet to verify the accounts or remove the inquiries. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
It is now XX/XX/XXXX and I have not received any information on the investigation or verifiable proof nor have the accounts been removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Equifax 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.
Complaint sub-issue: Don't agree with fees charged

I was contacted by a 3rd party called R3 Processing to consolidate my federal loans and make monthly low payments based off of my income. They told me that I would make monthly payments of {$41.00} for 240 months until my federal loans were paid off. They did consolidate my loans with a company called XXXX. XXXX in turn consolidated with my loans with XXXX. I got in contact with XXXX this morning and they told me that I was n't due to make a payment for 1 year. When I heard that, I was confused about where the {$41.00} was going exactly. XXXX informed me that 3rd parties do not have access to pay any student loans and are not responsible for them. So the {$41.00} is not going to my loans like they said they were, but going to R3 processing directly. I then called the number that R3 processing provided for me and they were both disconnected. I emailed the account manager- XXXX who I spoke to previously when I was setting up this consolidation with them, and asked him to give me a direct number to reach him. He did and I told him I got in touch with XXXX and told him what they told me about not having to make any payments for 1 year. I asked him where that money was going directly and he said it is a fee for us doing your paperwork. I was never told about any fee, and if I had knew about a fee I would of never signed up for their services. He lied about that money going towards my loans. XXXX informed me that there should never be a fee to consolidate any loans and that the 3rd party who contacted me are most likely running a scam. They also told me I can consolidate on my own at no cost.
Complaint sub-issue: Received bad information about your loan

Issue is with XXXX XXXX XXXX I am trying to get my last two ( 2 ) loans a ) out of default and b ) paid off. 

The website shows i owe nothing. The automated phone line says I owe nothing. I paid off a loan with them this year and it has not been reported as paid with the credit bureaus. 


I contacted the Dept of Ed Rehabilitation Group who says my loans qualify for rehab because they have only defaulted 1x. However, XXXX XXXX says they were transferring in XXXX of 2016 and Dept of Ed did not accept yet. 

Dept of Ed says XXXX XXXX did not send it to them and they need to re-submit it because there is nothing for them to address. 

I have spent hours on the phone trying to find a person with XXXX XXXX to resubmit it to the Dept of Ed so I can  have this cleared up. I have no physical documentation of the loans or my status because online shows nothing. 

Please help me get it transferred to the Dept of Ed so I can get this rehabilitated and removed from my credit.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to file a dispute online and equifax wont allow me to login. Says my information doesnt match yet its the same info Ive had for years .... I also tried to pull my free credit report from Equifax and they will not comply either. Equifax has now shut me out from viewing my report and from filing a dispute for erronoues items on my credit report. Equifax has also failed to automatically send a written copy to my known address.
Complaint sub-issue: Investigation took more than 30 days

I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.
Complaint sub-issue: Don't agree with the fees charged

Called great lakes borrower service about 3 weeks ago to request a copy of the master promissory note to verify their claim that they are legally allowed to capitalize interest and have interest accrued during unemployment deferment ( which according to their obudsman as well as the federal helpline is not how student loan prpducts are intended to be handled or were designed ). Great Lakes said they'd send me a copy of the MPN which they never did. I don't recall ever signing a master promissory note with them as all my student loans were originated from.XXXX  and shortly after graduation I was notified that my loans had now a new servicer without a choice given or any signature required.
Complaint sub-issue: Not given enough info to verify debt

This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, an account with XXXX XXXX XXXX was settled and deleted from my credit file. I was listed as charged off and was reporting erroneous late payments on my Equifax credit report. For 2 years I disputed the information because the payment history was incorrect. 

In XXXX, XXXX XXXX XXXX admitted to their errors and requested from ALL THREE CREDIT AGENCIES that the information be completely deleted from my credit file. XXXX and XXXX did this immediately. Equifax willfully ignored the demands, even after my disputes and notifications from XXXX XXXX XXXX. After 4 requests the information was removed in XX/XX/XXXX, but Ive incurred humiliation, defamation and denials due to their willful negligence. Their lack of due diligence has caused harm to my person and my family. Had they done their jobs entirely and VALIDATED AND VERIFIED the information, it should have been removed after the erroneous information was reported in XXXX. 

My consumer rights have been violated! 
FCRA SECTION 623-FAILURE TO REPORT DEBT AS DISPUTED FCRA SECTION 623-DEFAMATION< WILLFUL INJURY FCRA SECTION 611 ( A ) -FAILURE TO RESPONDS It is THE OBLIGATION of the Credit Reporting Agency to report accurately and EQUIFAX HAS FAILED ONCE AGAIN XXXX 

I attempted to remedy this situation via certified mail on XX/XX/XXXX, to no avail. I have resent an additional notice.
Complaint sub-issue: Information belongs to someone else

Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.