Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.
Complaint sub-issue: Problem with customer service

I received a letter stating that one of my employment filled out the application incorrectly. Ive tried to get in contact with Mohela to rectify the situation and Im unable to get through anyone. Its asking for SSN and once I put it in, Im not in their system. Ive tried calling and its the same thing. Ive tried the get information online and its saying the same thing My information can not be found in their system. This is extremely frustrating as I have completed employment verification every single year. I have no idea how many counts I have or nothing that has to do with my loan. The provider XXXX has no information on Mohela and can not help me
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 amount paid to merchant of {$560.00}, card ending XXXX. Billed by credit card company again for the {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount for {$560.00} had been paid on XX/XX/2022 and it had been credited to my account. I have been fighting with the credit card company and get nowhere. They said the dispute I filed with them had been investigated ( XXXX different times ) and I was responsible for the charge. I have the paperwork from the merchant and my bank stating this bill has already been satisfied.
Complaint sub-issue: Information belongs to someone else

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, clients name did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, clients name who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Complaint sub-issue: Debt is not yours

The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.
Complaint sub-issue: Debt is not yours

i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to all three ( 3 ) credit bureaus XXXX, XXXX and Equifax ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX XXXXXXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by XXXX, Equifax and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items zeroed off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, I submitted a complaint with CFPB on Equifax. The complaint number was XXXX. I received an email response from CFPB on XX/XX/XXXX that Equifax was still working on my issue. Equifax emailed status updates and the completion of all 6-7 disputes that I submitted. All disputes were closed and completed in 1 day or the same day it was submitted ( see attachments ). The disputes were closed XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX when Equifax representative advised CFPB representative that they were still investigating my disputes. XX/XX/XXXX, I received an email from CFPB that my complaint was closed due to the to the request of Equifax advising that they would respond to me via mail. 

This is my second time I have returned for assistance from CFPB within 2 weeks. Unfortunately, I am unable to get any resolve with my issue with Equifax. They lied to CFPB that they were still investigating my complaint to have it closed. They are very intentional with being unavailable to help or assist consumers. This behavior is unacceptable and not tolerable. 

My credit score has been impacted significantly and created a hardship on my family. There is a bankruptcy listed on my credit report under Public Records that should not be on there at all. There are several payments that ONLY SHOW THE SCHEDULED PAYMENT BUT IS MISSING MONTHLY PAYMENTS AND THE ACTUAL AMOUNTS THAT WERE PAID. I have never missed a payment and pay a lot more than what the minimum is and its not being reported. Both of which effect the credit score. I have a small business. I was denied business loans because of my credit and debt to income ratio, denied two mortgages, job opportunities ( Tax Auditor with Government ), and high interest rates.
Complaint sub-issue: Frequent or repeated calls

This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX  California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX  eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX  I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.
Complaint sub-issue: Information belongs to someone else

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.
Complaint sub-issue: Received bad information about your loan

After sending the last complaint Nelnet has unlocked my account so that I can view it. It stated that I was in forbearance. That status has now been changed to repayment. Today I spoke with someone in Nelnet 's customer service department. She isn't sure why I was given incorrect information concerning my Public Service Loan Forgiveness. I asked why my loans were placed in forbearance and she indicated that  happens automatically when I am in bankruptcy. I was never given this information prior to today. She said that I am in a graduated plan, which is still the wrong plan. But the payment with this plan has never changed. The payment is supposed to increase every couple of years. She suggested that I consolidate my loans, which I thought I already did, and begin the income driven repayment plan again. I have currently been making approximately the same payment since XX/XX/2003. Something can't be right with this. I'm not sure how to proceed from this point. I honestly get different information from everyone I speak to and no one cares. The girl last week at Nelnet told me my payment would be around {$800.00}. a month on the income based plan, today the representative said she couldn't possible know that. So who do I trust and how do I correct this situation?
Complaint sub-issue: Charged too much interest

My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ). So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 or information. However, such information shall not include specific factual information on a consumers 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. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Complaint sub-issue: Reporting company used your report improperly

Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.
Complaint sub-issue: Received bad information about your loan

My father co-signed on a series of private student loans through Key Bank when I was XX/XX/XXXX years old in XXXX. I began payment plans on these loans upon graduating college. I always paid full amount due each month and always on time. Several years later my father filed bankruptcy. I received a letter from the servicer in XX/XX/XXXX that my automatic payments would be discontinued on my behalf and that they would no longer be collecting the monthly payments from me. A year and a half or so went by and my father must have completed his bankruptcy. I was contacted by Key Bank and now suddenly my loans were due in full. This baffled me because I am a responsible financial person who has always paid every payment due from me on time and maintains an XXXX credit score typically. So I tried working with the servicer instead on setting up another payment plan. I paid a few payments as agreed, but some information they had given to me in the account numbers was incorrect and the payments were not being received in full. I tried contacting the business by phone a few times on this. Before I knew it a collection agency was calling me and harassing me. These collectors are down right rude! I ended up settling the debt in full through the collection agency in XXXX. Then in XXXX i began receiving more harassing phone calls from debt collectors once more to collect on the same debt. I let them know I had already settled the debt in full. They refused to believe me and treated me as if I was lying. So I called Key Bank myself to try to confirm. I was connected to several people at Key Bank and no one could find my loan. They insisted that they were searching their student loan data bases and I was no longer in the system. So I tried to contact the collector but could not get ahold of them. They contacted me again about XXXX months later again with harassment and accusing me of lying. Apparently they had gotten information from Key Bank that had XXXX record of my settlement. Key Bank is not organized and has wronged me in several instances in trying to collect my debt.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern : Upon receiving my consumer report from LexisNexis, I noticed that they are reporting a Bankruptcy under the file they maintain under my social security number. 

On XX/XX/XXXX I sent a them a letter via certified mail, return receipt requested, in which they received and signed for on XX/XX/XXXX. In this letter I requested validation and verification in accordance with FCRA guidelines. 

I did not receive their response until XX/XX/XXXX in which they sent me a letter that simply stated it was verified as accurate FCRA requires credit bureaus and consumer reporting agencies to have a response in the consumers hand by the 31st day from receiving the initial dispute. This in itself is a violation of FCRA. 

I then sent another letter on XX/XX/XXXX in which they received and signed for on XX/XX/XXXX requesting verification per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the florida bankruptcy court which clearly stated that they do not provide any information to the credit bureaus. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that they verified this bankruptcy as accurate is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

LexisNexis has not responded to my last request. It has now been 46 days and still no response. This is a direct violation of FCRA. 

I know that there is not a Bankruptcy that they can validate or verify as reporting accurately, and have violated FCRA by not responding and verifying the challenged information within 30 days. therefore they must delete it from my file and stop selling/reporting this information to Credit bureaus and other 3rd party consumer reporting agencies
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute on XX/XX/XXXX for a charge of {$390.00} from XXXX XXXX. I was provided a conditional credit until the dispute was resolved. 
On XX/XX/XXXX, I received notification that the dispute had been resolved in favor of XXXX XXXX   following a review of documentation provided by the business and the charge was put back on my account. The documentation was included online for my review and it was quite obvious that it had not been reviewed by Citi Cards since it contained a resume for and correspondence with someone other than myself. 
I sent an email to the dispute center and copied the executive response unit outlining the details, providing my own documentation, and stating my objection to the decision. 
On XX/XX/XXXX, I received a voicemail from XXXX XXXX from the Citi Executive office. She said she was reviewing the case and would get back to me. In the meantime, a conditional credit was being added back to my account. 
On XX/XX/XXXX, I reached out to XXXX to follow up. She returned my call and let me know that she could see that the merchant had provided documentation that did NOT pertain to my transaction. She explained that she would have to follow up with the merchant allow them time to respond. 
Today is XX/XX/XXXX. I have left voicemails for XXXX twice this week. If she's on vacation, her voicemail recording does not mention it. I have not heard from her since our conversation at the end of XXXX and the dispute center lists the dispute as " IN PROGRESS ''. 
It is my opinion that the documentation I provided is thorough and complete. The merchant has had ample time to respond with ACCURATE material and Citi Cards has had more than enough time to resolve this dispute.