Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 XX/XX/2021 I sent letters to equifax as well as over the phone contact explaining to equifax that the XXXX consumer Auto loan information reported on my credit profile is fraud or error. I noticed that there report different information from XXXX
Complaint sub-issue: Account terms

The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''
Complaint sub-issue: Credit denial

Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.

They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. 

It is the last time that I refer them again to approve the application and extend my credit. 
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.

I am not supposed to have a credit score to get a credit extension.

They are not supposed to a supposed credit history to extend my credit.

They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.

Those are violations that you overlooked when writing a statement like this.

And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. 

And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. 


And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I recently disputed a bankruptcy on my credit reports, which came back " verified by the data furnisher ''. As LexisNexis was referenced as the " data furnisher '', but my credit report says " U.S. Bankruptcy Court '', the data furnisher would had to have been the U.S. Bankruptcy Court, and NOT LexisNexis. I am unsure how even LexisNexis would be able to verify my information with the bankruptcy court because State and Federal Courts DO NOT give or furnish any information to 3rd parties, which include credit bureaus and data miners like LexisNexis. My birth date and social security number are NOT items of public record or general interest. LexisNexis has a long history of reporting information that not only does not belong to me, but is factually inaccurate. Bankruptcy and other public records are housed on a LexisNexis report ; since LexisNexis is a credit reporting agency, LexisNexis must adhere to the Fair Credit Reporting Act. Therefore, they need to verify all data with the furnisher, which in this case would be the bankruptcy court - which they do not verify information or provide records to 3rd parties.
Complaint sub-issue: Banking errors

I, XXXX XXXX, opened a new citi bank account on XX/XX/22. I then proceeded to deposit XXXX by a check from my joint account with my husband at XXXX bank account on XX/XX/22. After depositing the money into the citi account, I was informed that Citi closed my account due to suspicious fraudulent activities even though there was no other activity on the account. The Citi account was closed, but Citi still has not returned my {$76000.00}. I called Citibank several times but no one is willing to verify the facts and return my money. Please tell Citi to give me the money back and reimburse me for the loss of interest.
Complaint sub-issue: Reporting company used your report improperly

Re : Account XXXX : XXXX I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. NelNet reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. Because no consent was made, this is a form of fraud/identity theft. NelNet has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. NelNet shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If NelNet did in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, NelNet has 15 days to respond. If any of the above information I requested can not be proven or NelNet is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that NelNet is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?
Complaint sub-issue: Other problem getting your report or credit score

Deleted consumer twenty two plus year credit history. Repeated offense. Denied access to credit report after receiving consumer complaint.
Complaint sub-issue: Problem lowering your monthly payments

XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.
Complaint sub-issue: Frequent or repeated calls

In 2008 I was in a car accident which caused me to go to court pay restitution. All off the restitution and court fines and fees were oaid promptly ( mostly out of my bail money ), Since my monetary commitment to the court was taken care I thought I had taken care of at least the monetary portion of the " punishment ''. After 3 years all the charges were dropped to misdemeanors and I waited the 5 years that they suspended my license at which point I thought I could reapply for the driving test and get my license back but instead I was told that I owed the DMV over {$1300.00} in fines and fees. This was never discussed before or else I would have taken care of them with the rest of the fines and fees of the court. Instead of telling about them either through the phone or the mail they instead waited a whole 72 hours and then gave them to a collections agency which has been accruing interest over that past 5 years.I was told that if I made a {$250.00} payment to this collections agency they would allow me to take the test as long as I agreed to make monthly payments to the collections agency. This seemed wrong to me.
Complaint sub-issue: Debt was result of identity theft

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Funds not handled or disbursed as instructed

My credit karma card was locked because they suspected fraud nothing that I called in personally something they said I signed up for but I was unaware. I only use my card once a month..on XX/XX/XXXX when my money is normally available on my account I tried using my card at the XXXX  gas station on XXXX in XXXX Virginia it was declined because I entered the wrong pin.I changed my pin thru the app I tried to get gas it declined once again I get an email saying someone was trying to withdraw XXXX $ from my card so I kind of ignored it cause Im standing at the gas pump trying to get gas with my card in hand. I knew that email wont the truth.Next I went to XXXX and try to buy a couple of items my card declined once again thats was the final draw so I called CREDIT KARMA to see what was going on thats when they transferred me to the fraud department Im like fraud so when someone from the fraud department get on the phone she demanded I answer questions about something I knew wont no fraud attempt and treated me as if I was the fraudster. I refused and linked my cashapp card and used that until my card was cleared fast forward to the day b4 my expected deposit which was the XXXX of XXXX I called again to clear the suspected fraud transaction after I cleared them the agent told me she was unlocking my card I hung up phone on her.The XXXX come my account is still locked and no deposits available on my account so I called back they tried telling me three times that my account was unlocked but clearly it wont because I can see from my online account that it wasnt. I informed her I could see that it wont unlocked and I asked to speak with a supervisor she put me on hold as if she was looking for a supervisor she got back on the phone and said there was no supervisor on the floor at the time so she will help me then boom my account is unlocked I said thank you miss but I have one more question? WHEN WILL MY TWO DEPOSITS IM EXPECTING TODAY WILL BE AVAILABLE ON MY ACCOUNT SHE ASKED THE AMOUNT WHICH I TOLD HER SHE SAID YES I SEE THEM IT CAN BE ANYTIME TODAY JUST KEEP CHECKING UNTIL END of day which I did as well as call every two hours just for other reps to tell me they did not see them here it is the XXXX XXXX am and still the same thing.PLS HELP ME WITH THIS SITUATION ITS NOT FAIR IM A SINGLE MOTHER OF XXXX CHILDREN AND ONE ON THE WAY MY TV IS OFF BECAUSE OF THIS MY KIDS HAVENT BEEN ABLE TO DO THEIR SCHOOL ON tHE COMPUTER BECAUSE THERES NO INTERNET I HAVE NO FOOD AND NO HELP
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Other problem getting your report or credit score

Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating " Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved " shortly ''. No such thing. I wish consumers had another option.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CARD SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Complaint sub-issue: Not given enough info to verify debt

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX and Experian Inquires that are not mine 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
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 proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : VERIZONTEL Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted. 

Who validated this account? What documents did they use to validate? Where are the documents used to validate? 

I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.