Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are Inquiries reported in my credit report and I have never authorized to run my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on Equifax, XXXX  and XXXX There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX This is the information you have requested from me so I'm providing it to you again.
Complaint sub-issue: Debt is not yours

I broke a lease that only had 1 month left because i could no longer afford it. I had arranged it all with the leasing office and left the apartment in great condition. After i noticed that i had a collection for XXXX on my credit report i asked them to send me what it was for and they haven't. There is no way that i should owe XXXX. They are trying to gauge me.
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Can't temporarily delay making payments

I have three student loans two with Sallie Mae. The government has automatically put my loans into deferment. Which I opted to still pay minimum monthly payments on. The issue that I have is that the government has suspended payments but is still adding interest during the entire time of deferment. I believe if the government was going to defer payments then they shouldve deferred interest at the same time. But they are using this to increase interest on our student loans.increasing the amount of repayment when the deferment is lifted.
Complaint sub-issue: Account status

I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.
Complaint sub-issue: Personal information incorrect

There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there
Complaint sub-issue: Debt was paid

Lending Club is still reporting a balance owed when I paid off the balance completely in XXXX 2021. Please see attached as proof. Please update the balance to zero immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Complaint sub-issue: Debt is not yours

Pursuant to Federal Law 15 USC 1692 G, Discover has failed to present the name and address of the original creditor after written notification.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.
Complaint sub-issue: Their investigation did not fix an error on your report

I signed up for XXXX XXXX XXXXl on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 1XXXX ACCT XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX -- -- -- XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - - - XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX & XXXX XXXX {$190.00} - - - XXXX XXXX & XXXX XXXX XXXX {$7300.00} - - XXXX XXXX XXXX XXXX {$780.00} - - - XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXXXXXX {$260.00} 15USC 1681 SECTION 602 A. States I have the right to privacy 15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Investigation took more than 30 days

I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without written instructions.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and XXXX XXXX and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Complaint sub-issue: Debt is not mine

I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?
Complaint sub-issue: Information belongs to someone else

I have seen an unauthorized inquiry placed on XX/XX/2022 on my credit report file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2022, I was told that my loan qualified for TEPSLF. If I could send in the employee certification, I could have my loans wiped out. Now I am told that I actually have four loans (? ) and will only get part of them wiped out. The others will, so they now say, be ineligible for PSLF or TEPSLF because I am not a teacher currently and still owe money on these two.

I held on the phone for one hour and forty minutes today to talk to these people. Anyone with a life does not have that kind of time to spend on hold. They know they have us and don't have to be polite. After I'd held for an hour, The recording said I had four minutes to talk to an agent, and then, someone picked up and put me right back on hold! Then I just held some more. This is just soul crushing! 


I have been given conflicting information every time I call these people, and I am full of despair after being told that they would be wiped out only to now be told they won't. I only teach four classes online now, and I that is not full time, per my employer, so I am going to be paying the Income-based repayment until the wonderfully final day that I die, which at least I can say will be a place and time that Fedloans can not come hound me.

My payments to XXXX XXXX were not showing up for years, and now for some reason they are. I am just tired of being jerked around by these people. I've made XXXX payments, but they somehow do not count, and I'm just ready to give up. I've never defaulted or missed a payment since I started paying back.
Complaint sub-issue: Reporting company used your report improperly

see attached Equifax was notified XX/XX/2022 of account ( s ) resulting from identity theft and have failed to block account 4 days after receipt.
Complaint sub-issue: Reporting company used your report improperly

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!
Complaint sub-issue: Investigation took more than 30 days

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times.

The account has been closed after the dispute.

What I am disputing is XXXX  's reporting method.

Before the most recent dispute I was at a XXXX on my credit score.

After this company fraudulently reported information to my credit report it changed to XXXX.

After the dispute was approved and found in my favor my score changed to XXXX.

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Complaint sub-issue: Old information reappears or never goes away

I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.
Complaint sub-issue: Their investigation did not fix an error on your report

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal.
Complaint sub-issue: Was not notified of investigation status or results

The account of XXXX XXXX XXXX is the result of fraud
Complaint sub-issue: Their investigation did not fix an error on your report

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. The accounts I am talking about is XXXX  XXXX  XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.
Complaint sub-issue: Account status incorrect

My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.
Complaint sub-issue: Reporting company used your report improperly

Several weeks ago, I attempted, for the first time, to sign up for an account with Credit Karma. 

During that process, the website indicated that an account had already been established in my name. 

I have never before opened, nor attempted to establish any Credit Karma account, nor has anyone ever been authorized to do so on my behalf. 

The Person or persons responsible for establishing and accessing this account have done so fraudulently and have done so using my personal identifying information. 

My attempts to reach the executive offices of Credit Karma have been unsuccessful since the company has NO contact information including valid address, working phone numbers nor email or fax numbers for its executive offices. 

While it is deeply disturbing to learn that confidential information has been fraudulently accessed and may have been disseminated, my concern is further magnified given the absence of clarity as to how long this account has existed or what actions third parties may have taken using this information in violation of applicable law. 

Upon discovery I filed a report with the XXXX Police Department indicating that my identity has been compromised. The Case Number is XXXX. 

I believe that the same parties have been illegally obtaining access to other accounts using my personal identifying information. 

I would like to determine all the salient facts so that I can protect my rights and take appropriate action. 

I would hope and expect that Credit Karma will seek to have the responsible held accountable under all applicable civil and criminal laws. Credit Karma needs to also establish a commercially reasonable way that their offices can be contacted in similar circumstances and to establish procedures to prevent this from recurring.