Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There were several account s from the same company " XXXX '' on my credit report that do not belong to me. I have already disputed them have already filed a complaint about their so called investigation. Results of the complaint was that the accounts were deleted from my credit report. All have been except one. When I called Equifax about it I was told that I would have to dispute it. Which I already have. I received a letter from Equifax claiming they verified the account. They can not verify an account as mine when it is not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.
Complaint sub-issue: Report improperly shared by CRC

Equifax provided a credit score to multiple financial lending companies and specifically reported a score to XXXX on XXXX XXXX, 2015 that was XXXX points lower that the credit I received directly from Equifax. They provided a score of XXXX and I have specific documentation related to that incorrect reporting data. In addition, I have additional request prior to and after that data error reporting incident in which this particular reporting agency adjusted dramatically the credit score. In effect, they are adjusting arbitrarily a consumers credit score without regard to the outcome of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX  did it, but XXXX  and Equifax failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER NAVIENT WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - EQUIFAX, XXXX  AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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.
Complaint sub-issue: Account status incorrect

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the XXXX XXXX XXXX XXXX have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Complaint sub-issue: Personal information

There is name listed as XXXX XXXX XXXX listed on my credit report. This middle initial is incorrect. 

My name is XXXX XXXX XXXX. 

Thank you.
Complaint sub-issue: Problem getting your free annual credit report

I requested my consumer reports via XXXX and Equifax, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
XX/XX/XXXXand Equifax all list the following inquiries which I am not responsible for : US SM BUS ADMIN ODA ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX ( Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX ( Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Miscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern, i am writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with XXXX ; 15 potentially negative items from unauthorized creditors such as, XXXX XXXX XXXX XXXX, Tennessee Dept of Humn SVCS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.
Complaint sub-issue: Non-sufficient funds and associated fees

Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee. 

The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West. 

Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.
Complaint sub-issue: Information belongs to someone else

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Complaint sub-issue: Other problem

Found credit card on XXXX that I never applied for. Reported it to XXXX. 

I still do not know what this elan card is. 

What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?
Complaint sub-issue: Account status incorrect

This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}
Complaint sub-issue: Debt is not yours

Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX  XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.
Complaint sub-issue: Debt was result of identity theft

I C Systems is trying to collect the amount {$1500.00} and has is on my credit report as collection. 
The actual account is XXXX ( electric company in XX/XX/XXXX ) the Service address is XXXX XXXX, XXXX, XX/XX/XXXX XXXX. Service date : XX/XX/XXXX through XX/XX/XXXX. 
****I never lived that address. During the service dates I lived in XX/XX/XXXX. I moved into my Apartment in XXXXXX/XX/XXXX XX/XX/2018 and still currently reside at the same apartment. 
I have NEVER given any permission in my lifetime for anyone to use my name, ss number or any information to obtain services or anything. 
***I do NOT owe this company for this amount. 
I contacted XXXX and they still say I will owe it. I filed a dispute through XXXX and the I C Systems states I still owe it. IT IS NOT MY ACCOUNT I had XX/XX/XXXX put out an alert for my id to be seen physically before anyone can use my info at all. I hope this helps but for this XXXX account ( REF # XXXX ) I want fraud placed with this account Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Complaint sub-issue: Information belongs to someone else

As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.
Complaint sub-issue: Information belongs to someone else

Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me
Complaint sub-issue: Billing dispute for services

Equifax and XXXX are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, XXXX, and Equifax. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX  XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of 2021 I filed a dispute with Equifax about the unverified account.Account number XXXX of {$130.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Complaint sub-issue: Information belongs to someone else

Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.
Complaint sub-issue: Keep getting calls about my loan

Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).
Complaint sub-issue: Account status incorrect

I have had a loan with Upgrade since XX/XX/XXXX. I was making every payment on time then I was affected by CXXXX XXXX and went on a hardship program in XX/XX/XXXX. I agreed to make lower monthly payments then get back to full payments in XX/XX/XXXX. 
I was quarantined for XXXX in XXXX and was late for a payment and missed the due date, Upgrade never told me they removed me from the hardship program. My last hardship payment was made on XX/XX/XXXX. At this time upgrade reported to the credit bureau that I was 120 days late, 2 30 's, 2 60's,2 90 's. 
XXXX XXXX-30 day late XX/XX/XXXX - 60 days late XXXX - XXXX current XX/XX/XXXX - 30 days late XX/XX/XXXX - 60 days late XXXX - 90 days late Janurary XXXX current Clearly, this is a mistake, They then told me if I would not pay XXXX immediately my account would be sent to collections. I have tried to work with upgrade and they refuse to help me or remove this information from a credit report. I also spoke to multiple account reps up to XX/XX/XXXX and they all told me the account was fine and I have nothing to worry about. I have taken steps to bring the account current.I was also never never told my hardship plan on terminated. 

I would like to add that upgrate has reported on credit wrong on multiple occasions now
Complaint sub-issue: Keep getting calls about my loan

I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}
Complaint sub-issue: Investigation took more than 30 days

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Tried reaching out to Equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to get this resolved. Tried disputing by phone and online without any success even after letting them know that these inquiries were fraudulent. I let them know that I was concerned after the equifax es breach and I had open a identity theft account to protect myself but they refused to help me.