Johnade/consumer_complaints_cfpb huggingface dataset:
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 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: Banking errors

There are two fraudulent checks cleared from my Citibank account by the same criminal individual ( altered my paid amount on the paper checks and submitted those ) for which I immediately notified citibank 20 days back. Filed police report and faxed my affidavit forms immediately to Citibank and they confirmed me on receiving the documents. However the bank made no effort to return my {$800.00} even after knowing this is forgery.
Complaint sub-issue: Information belongs to someone else

I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.
Complaint sub-issue: Investigation took more than 30 days

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XX/XX/2018 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an account and inquiries I did not authorize
Complaint sub-issue: Account status incorrect

on XX/XX/2022 I contacted XXXX that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am on a graduation repayment plan with Nelnet because, like many other 30-somethings, I have a large amount of student debt. I pay consistently every month, often more than what my amount due is. I am currently stuck in negative amortization and while I am paying over {$200.00} a month for my student loan, I am accruing a interest at such a rate that all of my payments for the last year have only gone towards interest and my principle has still gone up over {$600.00} dollars.
Complaint sub-issue: Information belongs to someone else

I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX GA, XXXX XXXX XXXX XXXX, MICROBILT Here is the accounts : Bankruptcy : Dismissed CH-XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), 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. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond. 

In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus. 

Thanks for your corporation with this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter from FedLoan Servicing dated XX/XX/XXXX. The letter was regarding a response to my request to have a portion of my student loans discharged  due to school closures. I was advised in the letter that I am no longer obligated to make payments on these loans. I was also informed that all adverse credit history associated with the loans that have been discharged that was previously reported will be deleted to each nationwide consumer credit agency. I am still waiting on this to happen. I filed a dispute with each of the credit bureaus XXXX, XXXX, and XXXX. At the beginning nothing was done. I then sent letters to each credit agency that included a letter from me as well as thee letter that was sent to me from FedLoan Servicing stating how the loans was discharged. The only credit reporting agency that removed the account from my credit report was XXXX. I just don't understand that if I submitted the correct documentation and one credit agency verified and validated what I sent in removed the account why couldn't XXXX  and XXXX? I thought and I have read that the credit reporting agency 's obligations just to name a few are : *Investigate any disputed credit information in your file, with very limited exceptions. 
*Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. 
*Refrain from reporting old credit information. In most cases, information that is more than 7 to 10 years old is considered old.the last obligation listed is due to me submitting disputes with all 3 credit bureaus for reporting accounts that are over 10yrs old that are continuing to report negatively that is still on my report that should have been deleted. I have been disputing this issue since XX/XX/XXXX and still nothing has been done. I was told that it was not over 10yrs old because the reporting company updated my account I advised each credit agency how can anything be updated when the company updated the information once I submitted the dispute, prior to that it is several accounts that are over 10yrs old and some are with inaccurate date of my first late payment but still yet no corrections no deletions. I have been fighting with FedLoan servicing, XXXX, and Department of Education concerning each of the loans that have been discharged but yet I am still receiving increase balance on my FedLoan Servicing accounts.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.
Complaint sub-issue: Frequent or repeated calls

I don't have any debt. None. I get harassing phone calls from companies all the time even though I have no debt and my phone numbers are listed on the do not call list. I attempted to complain to the do not call registry and the website pointed me here. Today 's call at XXXX XXXX was from XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have contacted XXXX 's on three occasions in an attempt to dispute a charge for {$220.00} for a fraudulent charge. Each time I was told that it was being disputed and found out today that it was not being disputed or researched.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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.
Complaint sub-issue: Information belongs to someone else

I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.
Complaint sub-issue: Trouble with how payments are being handled

As apparent retribution for whistle-blowing on FedLoan Servicing 's illegal practices, FedLoan Servicing raised my interest rate from 7.25 to 7.50 % without explanation or notice.
Complaint sub-issue: Problem getting your free annual credit report

Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.
Complaint sub-issue: Used obscene/profane/abusive language

This man was talking over me and I was asking for general information about the debt that he is trying to collect. XXXX XXXX from ProCollect
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
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 involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are 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 accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX 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

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX  XXXX XXXXBalance : {$0.00}
Complaint sub-issue: Information belongs to someone else

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX
Complaint sub-issue: Account status incorrect

PLEASE UPDATE CREDIT REPORT WITH ACCURATE INFORMATION
Complaint sub-issue: Information belongs to someone else

When I checked my credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below 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: Trouble with how payments are being handled

Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.
Complaint sub-issue: Information belongs to someone else

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,