Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

These inquiries below are not mines. Some of these inquiries were deleted and reappered more than a year later. 




Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Complaint sub-issue: Debt was result of identity theft

I have been trying to resolve a debt generated by identity theft with debt collector Hunter Warfield. They contacted me XX/XX/XXXX regarding a defaulted rental agreement to the amount of {$1500.00}. This is not by debt and the result of someone forging my name using docusign on the rental agreement. I have spent several frustrating phone calls, written letters stating this wasn't me and was a forgery generated in docusign. I have taken the CFPB 's recommendation and have contacted my local police department to report this identity theft. I have also run a credit report and see that Hunter Warfield ran a credit check on me last year XX/XX/XXXX. The local police dept. recommended Hunter Warfield contact them with the case # if they want to see the report. Hunter Warfield told me over the phone they don't do that and will not close out this debt. This does not sound legit and I am afraid Hunter Warfield is trying to use this fraudulent debt to ruin my credit report if I don't pay them.
Complaint sub-issue: Trouble with how payments are handled

My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX 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: Their investigation did not fix an error on your report

Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX
Complaint sub-issue: Debt is not yours

This is the third time I've reached this company and the second time I've submitted a complaint. They have yet to respond. 

They have reported me as delinquent on a lease that was not mine. I have provided proof back in 2021 that this debt is not mine. I have contacted the credit agencies and they have removed the debt collection ; then these XXXX  at Hunter Warfield continue to call me regarding this debt, and reported me as delinquent AGAIN. I have provided proof AGAIN, and have not heard back from these XXXX regarding this debt. 

I don't understand what is so difficult. The name does not match my name. I have provided ample evidence - a passport, my DL, a pay stub, my birth certificate. These morons even have the application that shows a DIFFERENT NAME, and yet they still insist that I am the person who needs to pay this debt.
Complaint sub-issue: Threatened to sue you for very old debt

this account is over 10 years old they keep furnishing my private consumer information without my consent i have contacted them via USPS XXXX certified mail number they have never responded the elotted 30 days with the original contract and wet ink signature they have violated my right because texas law only allows 4 years and this account is over ten years old
Complaint sub-issue: Information belongs to someone else

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my consumer rights under title 15 USC 1681a and 1681b
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Complaint sub-issue: Account status incorrect

XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to XXXX additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.
Complaint sub-issue: Account status incorrect

I have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX have 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax, today, XX/XX/XXXX and previously online through other apps and directly with them within the past few months. Last year I had XXXX ( XX/XX/XXXX ). The services for one provider went erroneously to collections in XX/XX/XXXX. I work for the XXXX of Colorado and am fully insured. I had a follow-up XXXX in XX/XX/XXXX. Meanwhile insurance has been processing, etc. everything has been paid and I paid any difference. In XXXX I got a collections bill from XXXX XXXX  on behalf of XXXX XXXX of Colorado. I inquired with XXXX XXXX and was informed of a zero balance. So, I thought this was a scam ( XXXX XXXX after all sounds like a cartoon! I'm not paying ). I ended up overpaying XXXX XXXX directly and by XXXX I was reimbursed, yet XXXX continued to hound me for payment. Subsequently, since I won't send XXXX money they have reported me to the credit agencies and Equifax will not process my dispute! I have tried numerous times to dispute the error on my account and can not get past the first page essentially. Please take care of this!!
Complaint sub-issue: Report improperly shared by CRC

The inquiry I did not authorize
Complaint sub-issue: Problem with statement of dispute

I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later
Complaint sub-issue: Problem with statement of dispute

On XXXX/XXXX/2015. I opened a dispute with Equifax due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Equifax is legally required to conduct a " reasonable investigation '' of this matter. 5 days later on XXXX/XXXX/2015 Equifax " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Equifax did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Equifax to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Company closed your account

Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. 

The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. 

I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. 

I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. 

Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.
Complaint sub-issue: Information belongs to someone else

I'm filing this complaint against Equifax and XXXX  because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.
Complaint sub-issue: Their investigation did not fix an error on your report

over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX XXXX XXXX is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Account information incorrect

I have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.