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

This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I received a billing statement with an incorrect amount due of {$1100.00} that did not reflect a payment of {$5000.00} made on XX/XX/XXXX. 

I spoke with a Nelnet representative on XX/XX/XXXX who admitted a " system error '' and provided two different Nelnet email addresses for me to raise the issue and seek an official explanation. She also submitted an internal complaint. Seven days and four business days later and I have not received a reply. I called today, XX/XX/XXXX, and spoke with a Nelnet manager who verbally confirmed that the billing statement did not reflect my payment of $ XXXX, but he refused to send any written correction or clarification. He stated that he was simply " not able to do so at this moment '' without providing any justification. 

Because the inaccurate billing statement was sent a full three and a half months after payment, I fear that this payment and perhaps others are being misapplied and/or not being retroactively posted to reflect accurate principal and interest calculations.
Complaint sub-issue: Account status incorrect

They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!
Complaint sub-issue: Other problem getting your report or credit score

When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I requested a free copy of my credit report from Equifax. Upon review of my report I noticed several hard inquiries that took place from XXXX throughXX/XX/XXXX. I called Equifax and spoke to a U.S. Representative and we went step by step through the report and the inquiries were removed. On XX/XX/XXXX I decided to check XXXX XXXX and noticed they were back on there. I sent a letters asking for validation of the information and accounts linked to those inquiries and in return I received a 2 page paper that showed the inquiries I had removed and disputed. I am aware of a data breach with the bureaus and feel my information was compromised. Too many inquiries in a short period of time and no validation ever being sent to me.
Complaint sub-issue: Account information incorrect

In XXXX of XXXX I became delinquent on my consolidated student loan. In XXXX of XXXX this information was reported to credit reporting agencies. For example my XXXX  report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My Equifax reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XXXX of XXXX. XXXX  does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to XXXX, Equifax, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623.  Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, Equifax, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Complaint sub-issue: Information is not mine

On XXXX/XXXX/2016 I filed a dispute with Equifax regarding a hard hit inquiry by XXXX XXXX. I have never received a response by Equifax with the results if the investigation providing me proof that I authorized this inquiry. Equifax is in violation of the Fair Reporting Act time allowed to provide the consumer an answer regarding their dispute. 
CFPB CASE # XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Didn't receive notice of right to dispute

I had leased an apartment in which the lease was up. The apartment complex is the XXXX XXXX XXXX. I had paid my final utility bill and final rent. Most rental places take your forwarding address, or your information you had given them. And attempt to reach out. I had to turn my keys over to one of the leasing agents that I had words with prior to leaving. This was in XXXX. I have had no correspondence with the company since. No phone calls, emails, or mail. I had even had my mail forwarded from that address so the could Have sent a letter if they forgot my forwarding address. I woke to an alert that I am reported to a collection agency by the name of Hunter and Warfield. They have not attempted to reach out to me so I have no idea what I am paying.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint stems from the CFPB complaint filed XX/XX/20. I expected to receive an update or some type of follow-up from the company, Equifax, to which the CFPB report dated XX/XX/20 was filed about. I have called several times and have been unsuccessful at getting any information from Equifax. As this is a US complaint, I have asked to speak to the US call center which I have been denied. I called CFPB directly for help. CFPB said they can do nothing but send my complaint to the company. I am failing to see the point of CFPB. I need help in getting my issue resolved. I have attached irrefutable support to the CFPB complaint dated XX/XX/20 but still nothing. This is not acceptable.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX INVESTMENT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account status incorrect

I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.
Complaint sub-issue: Debt was paid

I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Reporting company used your report improperly

I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.
Complaint sub-issue: Account status incorrect

My VA Mortgage loan was in active forbearance pursuant to CARES Act but was reported 120 plus days delinquent.
Complaint sub-issue: Old information reappears or never goes away

I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Right to dispute notice not received

AFNI put a XXXX collection on my credit report. I did not receive notice from this company.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am submitting a complaint because I was given inaccurate information to dispute a claim by Equifax in regards to an unauthorized inquiry by XXXX on my Equifax credit report. 

On XX/XX/XXXX, I submitted a dispute within Equifax to have a hard inquiry removed from my credit report. The hard inquiry was made on XX/XX/XXXX by XXXX without permissible purpose. 

I have contacted XXXX several times via phone and XXXX XXXX and was given varying information as to what I should do to have it removed. The last associate I spoke to said I must take it up with Equifax. 

I submitted a dispute on XX/XX/XXXX and then a few days later I received word my dispute was denied. I was informed by Equifax that I must speak with XXXX to have the hard inquiry removed. I knew phoning them and or dealing with an agent would get me nowhere, so I decided to write to them so they have written documentation of my request. 

I was given this address by Equifax : XXXX - XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, DE XXXX ( I attached below the letter from Equifax for your reference ) So, I sent a certified letter to XXXX on XX/XX/XXXX. I paid {$3.00} for the certified letter and waited over two weeks to find out the address for XXXX was " not deliverable as addressed ''. 

( I added a picture of the envelope and a copy of the letter to XXXX below for your reference as well ) I feel Equifax gave me inaccurate information and I am now being tossed back and forth between the two companies. I want a solution to my problem and I don't see how it is going to be resolved if one company is pushing me to the other and inaccurate information is keeping me from accomplishing it.
Complaint sub-issue: Problem with statement of dispute

I disputed a credit inquiry on my credit report ( unauthorized credit inquiry ). 
Equifax did not remove the credit inquiry from my credit report asking to resolve with XXXX ( requestor ) directly. 
XXXX refuses to proceed and refer back to Equifax.
Complaint sub-issue: Information belongs to someone else

I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.
Complaint sub-issue: Information belongs to someone else

There are three ( 3 ) recent inquiries ( XXXX XXXX XXXX, XXXX. - XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Additionally, my credit file has been breached according to Equifax 's very own records.