Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

My credit reports are listing a bankruptcy from XXXX, XXXX  , & XXXX  and all 3 bureaus are saying that LexisNexis is the furnisher. I wrote LexisNexis ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like LexisNexis. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & XXXX ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Complaint sub-issue: Information belongs to someone else

When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquiry is from XXXX XXXX XXXX XXXXThe unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXX bank opened XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items as soon as possible
Complaint sub-issue: Didn't receive enough information to verify debt

Recently went to check my credit score on XXXX. Upon doing so I discovered a report on my credit report for unpaid tuition, not a student loan, at my local community college. I called the number and requested verification of the debt because I do not believe it is mine. My parents chose to enroll me for my senior year, while I was still a minor. They asked me to give them my address. I stated that I would not, but that I would give them an email. The representative stated that the company did not use email. In response I said that they were required by law to provide me verification of the debt in writing and the email qualified as in writing, on the other hand I am not required to disclose information to them. I was hung up on by the representative. I called back and was told I would receive a call from the supervisor. At this point I have received no call. The company is blatantly refusing to provide verification of the debt. In addition I have received no documentation from them whatsoever. The only reason I know about the debt is because I checked my credit score.
Complaint sub-issue: Frequent or repeated calls

I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 XXXX a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I discovered six transactions, 3 on XX/XX/XXXX, XXXX on XX/XX/XXXX totaling {$4000.00} which were bank to bank transfers made using my US Bank Relia Card. I tried to use my card and the transactions were declined. I called the bank and was told of the fraudulent transactions. A fraud form was mailed to me. 

I tried to login to my account and was unable to login. Customer service would not let me into the account. The customer service representative read to me an email account which was associated with a Belgian service. The fraud dispute forms that were mailed to me also indicated the phony email address. I concluded that my online account was compromised along with my debit card. 

I completed and returned the fraud dispute forms on XX/XX/XXXX and filed a police report. Upon follow up, I was informed that my fraud claim was denied on XX/XX/XXXX. I have not been provided a reason why my dispute was declined. I have no other recourse than to file a complaint against US Bank Relia Card in order to receive a fair resolution of the dispute.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  accounts # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXX # XXXX XXXX bank 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, 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: 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 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: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Complaint sub-issue: Debt was result of identity theft

Professional placements Original Creditor Advocate health care Collection XXXX XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX {$470.00} An accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

The account with job and family services is XXXX XXXX XXXX and has not had a balance in over 10 years and is 6 years past the statute of limitations for reporting closed accounts. 

Can a competent human DELETE THE ACCOUNTENTRY?
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXXm gon na go to court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with XXXX, XXXX, XXXX.It reflects that an unauthorized Hard Inquiries from your company : CBNA Hard Inquiry done on : XX/XX/2017 Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX, XXXX, XXXX to Dispute center and to the Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence from CBNA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Complaint sub-issue: Personal information incorrect

My birthday is incorrect shows I was born in XX/XX/1977
Complaint sub-issue: Account information incorrect

Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Complaint sub-issue: Was not notified of investigation status or results

I wrote a letter about false information on my credit report, and more than 45 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so i know i am being treated fairly and with equal rights as a consumer.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Complaint sub-issue: Threatened or suggested your credit would be damaged

its simple is it legal for CC companies to report negative things to the CREDIT BUREAU while the DISASTER PANDEMIC IS GOING ON BECAUSE I READ IN THOSE LAW XXXX I BELIEVE IT SAYS NO SCORE CHANGE OR LATE PAYMENT SHOWED??? IT WAS IN THE WEBSITE DFPI???
Complaint sub-issue: Old information reappears or never goes away

Filled a dispute with XXXX  who stated it will remain on my credit even though it is 10 years old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information
Complaint sub-issue: Public record information inaccurate

I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I went to Equifax 's website to un-freeze my previous freeze on my credit. After troubleshooting several log-in pages that were no longer accessible ( error pages came up in several parts of the website ), and multiple website errors claiming more information needed to be completed in the account information form- even though all required boxes were filled in, I was able to set up an account. As part of the verification process I was asked ( 4 ) security verification questions about my credit. ( 2 ) security questions claimed that my credit report " may '' include a car loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. ( 2 ) security questions claimed that my credit report " may '' include a loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. I was then informed that I had answered incorrectly and that to access my account I would need to fax or mail personal ID documents, write coverletters, etc. I have verified through other credit reporting agencies that none of these loans are on my report. I can not get access to my Equifax credit report because they deny access to my account until I send them the information. I am telling you right now, that as soon as I get my report these false loans from XXXX and XXXX will not be on the report. I believe that the security questions they generate are deliberately inaccurate in order to kick-off these lengthy " verification '' processes that just give them more access to our personal data that they can then subsequently lose to hackers and data breaches. Now they will have photocopies of my personal documents on file for hackers to steal too. On the same date XX/XX/XXXX I was able to unfreeze my accounts at XXXX and XXXX without any issues in about 5 minutes. Now my mortgage loan will be delayed because I have to go through Equifax 's paper wild goose chase that they started in the first place with these security questions they generate that have inaccurate information. This is not the first time this security question issue with inaccurate answers issue has come up with them. As soon as I am able to get a report to prove this deliberate ineptitude I want to hold them accountable.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted disputes several times to XXXX/Equifax and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979
Complaint sub-issue: Trouble with how payments are being handled

Tried to resolve with Fed Loan with 8 phone calls and two letters sent. 
Phone complaint ID # XXXX XX/XX/XXXX Complaint ID # XXXX XX/XX/XXXX Complaint No ID # I have received a statement that I am {$14000.00} behind in my payments. This is not true. 
I have in good faith made monthly payments of {$330.00} every month for the last two years. I am on an income repayment plan for the last three years. I have sent in the paperwork each year via mail in XX/XX/XXXX & XX/XX/XXXX in XX/XX/XXXX. In XX/XX/XXXX my salary increased and I was able to fill out the income repayment application online. I have a bank statement that shows payments each month in from XX/XX/XXXX to XX/XX/XXXX each month in the years of XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. In the last year, my salary has increased so my income repayment monthly payment have increased to {$490.00}. I have called the FedLoan number to protest this bill of {$14000.00} There has to be some type of appeal process. I sent in the paperwork, I made every payment. 
I have been working at a XXXX XXXX for eight years. I am also on the public service loan forgiveness program. I made faithful payments for all of XX/XX/XXXX and now I am told that the payments do not count at all - that my default.
Complaint sub-issue: Their investigation did not fix an error on your report

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Equifax was the subject of a cyberattack and failed to protect the sensitive, personal information I trusted them with. 

The breach lasted from mid-XX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Complaint sub-issue: Used obscene, profane, or other abusive language

customer service representative called and asked to verify address. When I asked what this was regarding. She would not tell me and repeatedly asked me to verify my current address. I said please take me off your list. And she said they do n't have a do not call list. Again and forcibly she asked for me to confirm my current address without telling me why. At this point I said goodbye and hung up. 

I did not know it was a collection effort from XXXX XXXX XXXX XXXX until I got a letter in the mail stating I owed XXXX a past due bill from a prior residence. Which I have since paid. The tactics used by this company are not okay and deceitful.
Complaint sub-issue: Trouble with how payments are being handled

FedLoan is the current servicer for my federal student loans. I have been enrolled in the Public Service Loan Forgiveness program since XXXX. Each year I had to call and re-certify for the program and each year I was assured that I was enrolled in the PSLF program and was on track to have my loans forgiven. I have worked in local and state government since XXXX. I have been in active repayment most of this time. The only time I was not in active payment was temporarily in XXXX and again in XXXX when I was in forbearance due to maternity leave. Once I returned to work, my forbearance ended and I resumed payment. I became a single parent with XXXX young children in XXXX and was placed in an income based re-payment plan with Fed-Loan. I was told by their representative each year when I recertified that I was indeed in the correct program and on track for loan forgiveness. Beginning in XXXX I started applying for PSLF and was denied loan forgiveness. I have applied many times over the past 4 years! I am told that I have only 14 total payments that qualify under the PSLF program. This is completely contrary to what I have been told by FedLoan for the past XX/XX/XXXX years! I have asked for a printout of all my recorded payments since XXXX and I have been denied that information by FedLoan.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove them.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of it.
Complaint sub-issue: Debt was paid

I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled. 

I have sent the information to Klarna also. They refused to accept it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Was not notified of investigation status or results

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Complaint sub-issue: Information belongs to someone else

This has been my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I WENT TO CAR DEALERSHIP TO BUY A CAR ASK CAN MY CREDIT BE RAN ONCE BY DEALER THEY IGNORE IT RAN IT OVER 3 TIMES HURTING MY PROFILE WHEN I DID NOT CONSENT TO SUCH