Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Debt is not yours

Attempted to resolve, company wasnt willing.
Complaint sub-issue: Account status incorrect

A few months ago, I emailed Nelnet a copy of my DD214 form and asked that the missed payments I have from XX/XX/2015 be removed, due to me being away for XXXX and not being made aware that my deferment status was ending. After checking my report today, to my dismay, nothing has been updated or corrected.
Complaint sub-issue: Information belongs to someone else

Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at Equifax and include XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to Equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his Equifax records.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.
Complaint sub-issue: Investigation took more than 30 days

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Ms. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Equifax again went silent.
Complaint sub-issue: Debt is not yours

2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.
Complaint sub-issue: Indicated committed crime not paying

We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 instruction.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.
Complaint sub-issue: Problem getting your free annual credit report

Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.
Complaint sub-issue: Other problem getting your report or credit score

I have been approved for a mortgage loan and my mortgage broker is trying to pull my credit reports to complement my information. 

He received 2 of the 3 reports and states that Equifax is blocking the third one. The error he is mentioning is XXXX. 

I tried calling the company but they didn't give me a solution, I could not even have my information retrieved denied it. 

I need this to be unblocked so my underwriter can move forward with the loan.
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and transunion. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Complaint sub-issue: Attempted to collect wrong amount

On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX DIST CT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX F XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX CARD SERV XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Public record information inaccurate

I requested that LexisNexis Provide me with the method of verification they used to verify the bankruptcy they have shown on my consumer report. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

They did not provide me with this information all they did was respond saying it was verified. I did not dispute it I just requested their method of verification. I have attached the letter I sent and I have also attached LexisNexis response.
Complaint sub-issue: Don't agree with the fees charged

Beginning in 1997 I attended a public university and student loans were an option for financing. Prior to acquiring a XXXX XXXX XXXX degree, the XXXX XXXX Alabama at XXXXXXXX XXXX financial aid office said student loans were easy to repay and the loans had no interest or very low interest rates. I also took out a loan to attend a XXXX degree program at the XXXX  XXXX XXXX and the loan advisor explained that loans would be easy to pay and the most affordable option. 
I currently have loans financed with Great Lakes Loans and/or the US Department of Education, and I think the the Truth-In-Lending Act is not followed by the institutions. The organizations changed interest rates from fixed to variable. If I had known student loans interest rates would be variable, capitalized, and difficult to pay, I would have applied for more scholarships or attended a different program. In my opinion, these changes and proposed changes do not comply with the Truth-in-Lending Act.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020, I received an alert from XXXX  that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.
Complaint sub-issue: Information belongs to someone else

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks
Complaint sub-issue: Called before 8am or after 9pm

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX. 

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX Sent communications back advising it was violation to contact after XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit freeze and identity alert on my credit report but somehow EQUIFAX keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to EQUIFAX today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line. The amount of disrespect I received today is disgusting!!! EQUIFAX should be ashamed I will be contacting a lawyer to discuss my options.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE REQUESTED DOCUMENTS THAT THE BUREAUS HAVE IN THEIR FILES CONTAINING MY WET INK SIGNATURE TO VALIDATE THE ACCOUNTS LISTED BELOW, I AM SUPPLYING THE IDENTITY THEFT AFFIDAVIT AND THE POLICE REPORT THAT SHOWS THAT THESE ACCOUNTS ARE FRAUDULENT, I DEMAND THE BUREAUS ABIDE BY THE FCRA LAWS PUT IN PLACE TO PROTECT THE CONSUMER, PER SECTION 605B ALL FRAUDULENT ACCOUNTS SHOULD BE REMOVED AND DELETED WITHIN 4 BUSINESS DAYS, NEITHER HAS BEEN DONE, THEY JUST LEFT A STATEMENT ON MY REPORTS. IF THESE ACCOUNTS WERE OPENED IN 2015 AND ARE GOVERNMENT STUDENT LOANS, HOW ARE THEY JUST NOW BEING ADDED TO MY REPORTS, I HAVE NEVER LIVED ANYWHERE CLOSE TO XXXX, GA!!! I HAVE NEVER LEASED AN APARTMENT IN XXXX. 

XXXX  U S DEPT OF ED/XXXX # XXXX {$16000.00} U S DEPT OF ED/XXXX # XXXX {$3300.00} U S DEPT OF ED/XXXX # XXXX {$5100.00} EQUIFAX XXXX XXXX XXXX  # XXXX {$2000.00}
Complaint sub-issue: Company closed your account

I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.