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

Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.
Complaint sub-issue: Personal information incorrect

In XX/XX/XXXX, I noticed that my credit report from Equifax listed an invalid address : XXXX XXXX, XXXX XXXX, UT XXXX I never lived at the address. In fact, the address was invalid with just some numbers. 

On XX/XX/XXXX, I disputed the incorrect address with Equifax. On the same day, Equifax responded ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' A few days later, I checked the Equifax report again and the incorrect address was still listed. I contacted them again. On XX/XX/XXXX, Equifax responded again saying ( Confirmation # XXXX ) : " We have reviewed the former address. This item has been deleted from the credit file. The disputed address has been deleted. '' Although the address was still listed in a fresh copy of the Equifax credit report, I thought it might take some time to drop so waited. After almost two years, I checked my Equifax report again in XX/XX/XXXX, and noticed the invalid address was still listed. After disputing the report again, Equifax responded on XX/XX/XXXX ( Confirmation # XXXX ) : " We have reviewed the former address. The disputed address has been deleted. '' However, after pulling a new Equifax report, the invalid address is still listed. 

This incorrect address is not listed on my credit reports from XXXX or XXXX. My financial institutions also confirmed that they are not reporting that address.
Complaint sub-issue: Application denied

I used my credit card as defined under 15 USC 1602 ( a ) ( I ) to extend myself credit through Discover. To my surprise, I was denied. On XX/XX/2022 I received a letter of clear adverse action from Discover attempting to explain why I was denied. Due to there being no statute of limitations on fraud I am acting now. The letter that was sent mentions that Discover follows the Federal Equal Credit Opportunity Act, but this denial was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). In good faith, I exercised my right to extend credit as a consumer, AND a creditor and I was denied for no specific reason. Discover mentions Federal laws in the letter sent to me, but violated those very same laws. Discover also violated 15 USC 1602 ( a ) ( p ) when they used my credit card with no apparent authority, and I the cardholder and consumer received absolutely no benefit.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Complaint sub-issue: Billing problem

I have a loan with Audi FInancial. I have requested paper statements ; however, they do not send me statements - presumably because I have paid ahead and so no current amount is due. Further, when I go to the website there are no current statements online ; nor does the website give the current balance anywhere so it can be checked or verified.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Their investigation did not fix an error on your report

Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and Pell Grant. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX XXXX repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

My XXXX  credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My Equifax score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX  had dropped XXXX to XXXX on XX/XX/18
Complaint sub-issue: Debt was paid

I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what
Complaint sub-issue: Card was charged for something you did not purchase with the card

A discover bank credit card was opened in my name on XX/XX/2020. This card was charged up to {$910.00} without any of my knowledge by another individual I have no contact with. I am unable to interact through payments or canceling the card as I have no knowledge of the full card number or account name it is under.
Complaint sub-issue: Problem with fees

In XXXX I signed up for a Discover credit card account and was unknowingly enrolled in a payment protection plan. Unfortunately, today, XX/XX/XXXX, I finally realized I have been paying for this plan for almost 10 years. I was not, until today, informed of this program, it's supposed benefits or that it would continue to charge me fees over the life of the account. I was not notified after lawsuits were filed and refunds processed. I have moved 6 times since opening the account and unfortunately never received a notice regarding these fees. I have not used this program, nor did I ever intend to. Looking through online statements from XX/XX/XXXX to current day, I have been charged {$1900.00} please see the XXXX sheet attached with amounts and dates. This total does not include anything from prior to XXXX as I do not have access to those statements online. 

I called customer service today immediately after identifying these unsolicited charges to cancel. They advised me they would be able to refund the past six months fees which totals {$73.00}. This is such an insignificant amount compared to what I've paid over almost 10 years of being a loyal XXXX customer and it is entirely unacceptable.
Complaint sub-issue: Personal information incorrect

Equifax has my name recorded incorrectly. I have already sent my current state ID, my Social Security card, and even filed a dispute for them to correct my name. They have not corrected this issue.
Complaint sub-issue: Threatened or suggested your credit would be damaged

A account was open with my information that I was not aware of, and I reached out multiple times to the company on my credit for it to be remove since the account was opened fraudulent and now it is on my credit getting harassed daily for something I have no idea about thats why the account was never paid off because I did not open it and now Im receiving mail at my boyfriend parents house when I never put that address in the system.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 XXXXXXXX, has violated my rights 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 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: Information belongs to someone else

I have contacted Equifax Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Equifax report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Equifax has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.
Complaint sub-issue: Information belongs to someone else

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020my wallet was stolen which included my FL Driver 's License, Social Security Card and my credit cards .... I called my creditors and informed them what happened and received new account numbers .... On XX/XX/2020, I received a call from XXXX  XXXX fraud dpt asking me if I tried to open a XXXX   credit card with XXXX  XXXX, I explained to her about the theft on XX/XX/XXXX and the application was cancelled and noted as fraud. The XXXX  XXXX representative gave me the numbers for XXXX, XXXX XXXX and Equifax, ,also the identity theft.gov where I filed the complaint on XX/XX/XXXX ... 
I have been successful in getting a credit freeze with XXXX, and XXXX ; however, I tried calling Equifax on Saturday the XXXX, and they were closed. On Sunday the XXXX, I tried getting a freeze on their website and before I could finish I needed a pin number and I could call, or they would mail it to me. I decided to wait until Monday to call and speak with them, but it is an automated system which apparently could not verify my identity after I gave them my name, DOB, and SS # ... .. I emailed them informing them of my situation and if credit card was opened fraudulantly, they would be responsible due to their negligence ... .. They are the worst, they should be shut down ....
Complaint sub-issue: Their investigation did not fix an error on your report

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX XXXX XXXX XXXX  XXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX  and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00XXXX XXXX XXXX Balance : {$820.00}
Complaint sub-issue: Information belongs to someone else

The items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was XXXX  during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) PXXXX XXXX {$770.00} XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please take note that this student loan from XXXX XXXX   XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Complaint sub-issue: Was not notified of investigation status or results

To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Information belongs to someone else

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}