Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Starting from XXXX XXXX 2021 and still ongoing most recently on XX/XX/XXXX, when i sent in a dispute through a credit agency, since then Conns has consistently called me during my work hours after asking them not to since I work on the phone from home, still, they call at least 7 times a day during the workweek, they have verbally degraded me about not paying bills after I explain to read the notes on the account, they get even more aggressive. yelling at me. I advise I can only what is past due when income taxes come around and they said i owe late fees and transactions fee and additional {$1200.00} but when i asked for the contract to verify i was told you don't need that, i am telling you what it say ''. There are causing me so much credit harm and stress. please help
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX  XXXX, XX/XX/XXXX, {$7500.00}, The XXXX  XXXX XXXX, XX/XX/XXXX, {$360.00}. The following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX  and XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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: Their investigation did not fix an error on your report

Equifax has been contacted mutiple times to correct fraudulent collections from the same company. The following are the issues : 1. 2 for XXXX {$210.00} and {$220.00} ( certified letter attached that was sent to XXXX WITH copies of the cancelled checks! ) 2. FTC Complaint attached : XXXX XXXX XXXX NEVER anything sent to me by this company. I have filed a complaint with the FTC and the CFPB against this " collection ''. Their are violating my rights under the FDCPA by not contacting me on this and reporting this to my credit report and I am requesitng action be immediately taken against them.. 
I am sending a certified letter and contacting an attorney on this immediately after the holidays.In the meantime, companies who do this and hurt consumers without giving them a chance to defend themselves, need to be fined, censured, or shut down.

3. I told Equifax I NEVER lived XXXX XXXX XXXX in NJ. NEVER. Yet they will not take this off my report. 
These actions are a serious violation of my FCRA rights.
Complaint sub-issue: Other problem getting your report or credit score

Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.
Complaint sub-issue: Account status incorrect

On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX  and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and Equifax and they say I have to get XXXX XXXX XXXX to clear it up.
Complaint sub-issue: Frequent or repeated calls

Repeated calls at all times of the day
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Their investigation did not fix an error on your report

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.
Complaint sub-issue: Was not notified of investigation status or results

I am divorced and work two jobs. I am working very hard on my credit. The other credit companies are right on target. Equifax has some crazy way. I get something removed from my credit and they drop my points 20-30 points. It makes no since, and trying to resolve it is not working. This is a misuse of power, that is effecting my life!
Complaint sub-issue: Reporting company used your report improperly

In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
Complaint sub-issue: Their investigation did not fix an error on your report

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX  ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Complaint sub-issue: Account status incorrect

I contacted Equifax on XX/XX/XXXX and they would not take my dispute over the phone instead they told me I had to mail it in. That is False. I did mail my dispute in as instructed by Equifax even though they were supposed to take my dispute over the phone.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently noticed an inquiry on my account by credco, which I have never heard of, I checked my open accounts and haven't noticed any fraud, but I do not know who the company is, but I hope they don't run my credit again.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my XXXX XXXX as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Fee problem

Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am past due on the Dept of Education/XXXX partial account number XXXX. ( Please see page 2  of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score.  Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Problem with convenience check

I received a convenience check from my U.S. Bank credit card. I deposited it into my bank account. While the check was in the process of getting cleared my account was charged an unauthorized purchase. I called to inform customer service and told them about the check that was deposited. They told me that they would wait a few days for the check to clear and then close the account and send me a new card. They did not do what they told me and the check bounced. I was charged a {$12.00} fee. The new card was sent to me on XXXX XXXX. On XX/XX/2023 I received new convenience checks so I tried to deposit XXXX of them. They check bounced and I was charged another {$12.00} fee. When I called U.S Bank I was told the checks were from the old account and were no good. I asked them how I would know since they were sent to me three weeks after my account had been changed. The agent and supervisor I talked to said it was my problem not theirs. Now I have had two returned check fees in less than a month and my bank is placing holds on all my deposited checks.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX and XX/XX/XXXX I requested Equifax, XXXX, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other XXXX credit bureaus have refused to respond to my requests and verify the information. 

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Complaint sub-issue: Didn't receive enough information to verify debt

I am submitting a formally complaint because I was contacted by XXXX on XX/XX/XXXX via a recorded call line. Pertaining to a voice mail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. The phone call stated that they were attempting to collect a debt. I stated that the debt was false and sent a certified letter to dispute the debt. 

I sent an email on XX/XX/XXXX stating and got no reply. 

Hello, I am responding to your contact about a debt you are trying to collect. Attached is a letter in the format of a PDF and Word document. Please be advised that I have also sent this letter via certified mail. Please confirm your receipt of this email. 

Best, XXXX XXXX I sent two emails on XXXX and got no response. 


Hello, This is XXXX XXXX. I am following up regarding the letter I emailed and mailed on XX/XX/XXXX. Please confirm receipt of this email. 

I am also attaching the letter to this email for reference. 

Please note that this is the email that supervisor XXXX gave me on XX/XX/XXXX via a recorded call line. Pertaining to the voicemail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. 

Please respond accordingly or I will be contacting the Attorney Generals office and the CFPB. 

Best, XXXX XXXX XXXX, This is XXXX XXXX. Following up to provide proof of delivery for the letter I sent in response to the phone call I received on XX/XX/XXXX from XXXX XXXX at Hunter Warfield. 

Please follow up with me accordingly.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, I initiated a reservation to stay at XXXX XXXX. Within minutes, I cancelled and received confirmation that the cancellation was approved. I assumed that the charge was removed but never confirmed. I was on auto pay, so regretfully, I did not always check my balance. When I checked my account, I noticed that I was double billed and not credited so I reached out to Discover as I assumed this was an easy fix. I was given a temporary credit but then rebilled. This process of disputing to receive a temporary credit and then rebilled has occurred at least XXXX times over the past XXXX years. Each time, I am transferred from department to department with no permanent resolution. In addition, I've provided copies of the email cancellation notification by uploading to my account as well as by mail. I even say the documents when I uploaded them but now they are no longer visible and all representatives are saying they are not there. I have been billed twice for {$530.00} when I should not have been. I did not stay at XXXX XXXX and the reservations were cancelled. 
Discover continues to transfer me from XXXX department to the other and will not escalate to a decision maker.