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  Acct Number : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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: Reporting company used your report improperly

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX  account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

i try to contact london & london about a debt that i had no knowledge and try to explain that i didn't know about this debt or even the judgment for this debt that i got the judgment back in XX/XX/XXXX XX/XX/XXXX i didn't know really and when i try to ask london & london to show proof of the original contract with my signature on it and more information about this debt not just a copy of the judgment note of XX/XX/XXXX i live in XXXX  ct for any court dates it should of been in XXXX  ct and im cleaning out my credit report for the first time and to me this debt that i had no idea looks old debt i would say 9 years and i want this to be remove from my credit reports or show big proof with my signature
Complaint sub-issue: Account status incorrect

I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.
Complaint sub-issue: Information belongs to someone else

This complaint is against Equifax Credit Reporting Agency. An account called XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX, KY appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated 'this ' account and what proof they collected since no one had proof of the account. They sent me a generic print out of, " the way investigations are typical handled ''. They wrote a letter saying, " they confirmed the debt belongs to me '' but offered no proof. I requested this information from Equifax a total of five times with the same generic print out being sent to me. So I wrote a letter to XXXX, the collection agency and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew was n't mine, I filed a complaint on XX/XX/XXXX with the Consumer Financial Protection Bureau ( CFPB ) # XXXX against both the collection agency and Equifax. I also filed a complaint on the same day with the BBB ( Better Business Bureau ). I demanded legit proof or deletion. The collection agency XXXX responded they would re-investigate and obtain proof. I then called XXXX XXXX XXXX to discuss/assist with the investigation ( spoke with a manager " XXXX '' ) since I knew it was n't mine and I wanted this account removed. XXXX XXXX did respond at the end of the new investigation deadline on XX/XX/XXXX with a letter through the BBB saying they will request a removal with Equifax since they could n't obtain any proof of said debt with the original creditor. However, Equifax who also claimed to have opened a new investigation responded yesterday on XX/XX/XXXX in an email case # XXXX that they completed their investigation and confirmed it is mine and wo n't be removing it. If the collection agency was not able to obtain proof then how did Equifax " obtain proof ''?
Complaint sub-issue: Was not notified of investigation status or results

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.
Complaint sub-issue: Debt is not mine

I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I've been beyond harassed by this company. The company thinks they can interrogate, make snide remarks, and even threaten us with legal action. 

I'm disputing a charge from transferring from one apartment to another and when I communicated this, the women I spoke to treated me like an XXXX and declined to send over confirmation for the legitimacy of the debt She kept asking me about payment when I told her from the start that I am disputing the charge. 

I can not take any more harassment from the company representatives continuously calling me before 8am on my work phone without any regard. 

IQ DATA INTERNATIONAL customer service seems to forget what is going on in the world to belittle people who try to go by life day by day and make it through the hardships of a pandemic, they continue to add fraudulent interest charges on a collection amount that isn't valid, to begin with. 

This company is hounding me and making me feel guilty and scared that if I don't pay them they will cause havoc in my life for a debt that's not Valid. 

There are over 250+ lawsuits against this company and I've contacted them multiple time regarding an old lease. Each representative I spoke with gave me a completely different amount due and they do not follow fair collection practices
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX I set up a small business in my home which is known as " XXXX XXXX '' which is a small store for food, drinks, catering services and other professional services. 

I started Processing payment with square and square decided to deactivate my account without telling me when I'll be able to withdraw my funds after I sent the documents they asked for. 

I will never use square again because the people who got my service took the money back and square couldn't protect me in the charge back process, all they did was to refund and rule in the customer favour. 

Well, I have over {$2000.00} in my square account which square has taken the money because they don't allow me to withdraw it and they can't tell me when I'll have access to it. 

I've tried to resolve this with the company by emailing them but all efforts proved abortive. 

I want to company to tell me exactly when I'll withdraw my funds as I've read thousands of negative feedbacks from people who used square to process payment used square to proce
Complaint sub-issue: Old information reappears or never goes away

I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.
Complaint sub-issue: Information belongs to someone else

I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.
Complaint sub-issue: Information belongs to someone else

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX  XXXX {$210.00} XXXX   XXXX
Complaint sub-issue: Frequent or repeated calls

I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with Equifax, XXXX and XXXX and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the XXXX day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX XXXX payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA
Complaint sub-issue: Old information reappears or never goes away

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX XXXX illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XXXX XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. 

I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Complaint sub-issue: Trouble with how payments are being handled

One problem I've had is that I transferred my loan to PSLF in XXXX. At that time I had worked XXXX at two different XXXX colleges since the winter of XXXX, so about 4 years worth of paying on my loans. 
I had my employment certified from both institutions. I called XXXX and they agreed I was eligible for the program. My loans were added and I began paying. It is now fall of XXXX, my payments from the span of XXXX ( my initial hire date ) to XXXX ( when I entered PSLF ) have still not been processed/calculated toward my 120 total payments. 
I called and spoke to them several times over the last few years, including today. I was told that waiting these are called partially processed payments, and that taking two years for the processor is normal. I asked if I could speak to the processor, no. Can I talk to anyone about this that can set some expectations as to when this will move from partially processed to processed, no. Is there any information missing, no. 
Can I know when this will done, no. 
And so on. 
I can't get them to calculate my payments, making it difficult to know what's remaining. Also, I am a salary employee and I take out XXXX ( income based repayments ) but my payments year-to-year have often fluctuated by XXXX of dollars, even with my salary changing maybe 3 to 5 % yearly.
Complaint sub-issue: Debt is not mine

I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. 

I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. 

At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. 

Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. 

I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. 

I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX 

The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees.

Please look into this problem.
Complaint sub-issue: Problem accessing account

Trying to do a flex payment plan for rent and not able to connect to my checking account
Complaint sub-issue: Account status incorrect

I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Complaint sub-issue: Account status incorrect

Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.