Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that XXXX had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called XXXX to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX  7 . XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX
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. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : 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 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

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX  XXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Problem with fees

When signing up for a secured credit card I had to put {$300.00} down on the credit card in order to receive one. The company is called discover.
Complaint sub-issue: Account information incorrect

I have contacted the following creditors explaining I never applied for correct with them as Im not in market for a new auto loan : Equifax XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I gave Lending Club, per another CFPB Complaint in XXXX ( which they failed to respond ), my Schedule of Creditors per my bankruptcy in XX/XX/2018 which shows that my Lending Club Corp., was indeed included, and discharged, in bankruptcy. 

Yesterday, Lending Club incorrectly reported the account as a charge-off to XXXX XXXX contrary to my court-ordered discharge I submitted online to them through the CFPB website. 

Please review the attached court documents and the excerpt from my XXXX credit report via XXXX XXXX showing the Lending Club account incorrectly changed to, and reported as, a charge-off to my detriment as of yesterday. 

Please assist!
Complaint sub-issue: Information belongs to someone else

My information was leaked in the Equifax, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXXl XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : 1. Dept Of Education 2. XXXX, 3. XXXX XXXX XXXX,4. XXXX XXXX  XXXX {$25000.00}, 5.  XXXX XXXX XXXX {$12000.00}, 6. XXXX XXXX  {$12000.00}, 7. XXXX   XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2.  XXXX, 3. XXXX XXXX, 4. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX  XXXX, 9. XXXX, 10. XXXX XXXX, 11.  XXXX XXXX, 12. XXXX XXXX, 13. XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.
Complaint sub-issue: Received bad information about your loan

I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.
Complaint sub-issue: Cashing a check

On XX/XX/2020, an unauthorized, fraudulent check for {$1900.00} was deposited into my Comerica checking account, by another person without my knowledge or consent in violation of California Penal Code Section 476a, and 18 USC 1344. 

I filed Police Report # XXXX, with the XXXX Police Department in XXXX XXXX, CA, and provided evidence of fraud being used by the other person, I also reported it to Comerica within a timely manner as soon I noticed my account being negative. 

The Comerica Representative investigating my claim of Fraud has improperly determined that I am liable to pay the bank back for the other person committing fraud without my consent, knowledge or authorization. That decision was made in violation of the EFTA, 15 USC 1693g, and other consumer Federal Fraud protection statutes and regulations. I asked a Comerica Representative what fraud protections do they offer and was told they will investigate. I was not provided any explanation of the investigation nor any instructions on how to dispute the liability of another person 's fraud. 

Now Comerica has reported to Chexsystems and debt collection I owe the bank {$1300.00} but the other person accessed my username and password for investment purposes. As a person who makes stock investments, it is common for online investors to provide username and password info to investment institutions and personnel. I have provided that info to other institutions for investment purposes and they didn't deposit a fraudulent check, but one person did without my authorization, so I should not be liable for criminal act of another person.
Complaint sub-issue: Contacted me after I asked not to

Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

I have send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this
Complaint sub-issue: Frequent or repeated calls

I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.
Complaint sub-issue: Don't agree with fees charged

I have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # 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 a account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the multiple written requests, the inaccurate information about my accounts listed below are still reporting on my Equifax Credit Report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned accounts : XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX opened XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. XXXX Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Complaint sub-issue: Threatened to take legal action

I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.