Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

They have incorrectly pl aced two m issed payment on each  Nelnet account for a total of 18 mis  sed payments on all  XXXX  credit reporting agencies.. I wa s never late, my account was placed in forbearance  in  XX/XX/XXXX .. and th ey have me down for late payments after that. They need to be deleted and removed from my credit because it has significantly hurt it.. I have attached the proof as well.. Thanks
Complaint sub-issue: Didn't receive enough information to verify debt

This is a formal complaint against IQ Data International located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, IQ Data International has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. 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 Professional 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: Investigation took more than 30 days

I reached out to Equifax in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2022, I discovered information on my credit report was still reporting incorrectly. I contacted Equifax credit Bureau via telephone, Internet, and mail. Via telephone I was informed that I had to send information from the alleged creditor and a police report. I already had a police report concerning this fraudulent activity, but I was waiting on the letters from the creditors. On the XXXX of XX/XX/2022 I uploaded the needed information on Equifax dispute website. I also mailed a certified letter to Equifax credit Bureau on the XXXX of XX/XX/2022. The following information was uploaded and mailed to Equifax Credit Bureau : Michigan drivers license Social Security card letter stating what fraudulent information needed to be removed letters from the companies stating the information were incorrect updated credit report from Equifax showing fraudulent activity Also, I sent the same information to the other major credit bureaus. The other major credit bureaus once receiving my information, remove the fraudulent information. On the XXXX of XX/XX/2022 I contacted Equifax credit Bureau again concerning the fraudulent activities on my credit report. There was no positive outcome. It appears to me the representative was attempting to not correct my credit report and make many unfounded excuses.
Complaint sub-issue: Information is not mine

I show a hard hit on XXXX for a company XXXX that i do n't recognize and i did not authorize. I am concerned someone could be trying to steal my info.
Complaint sub-issue: Personal information incorrect

Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.
Complaint sub-issue: Was not notified of investigation status or results

I sent them my updated Driver 's license, utility bill, and SSN card. However they are using stall tactics to keep errors on my report. They are violating my rights.
Complaint sub-issue: Charged too much interest

THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Complaint sub-issue: Information belongs to someone else

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

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

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

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Public record

I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),  and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Reporting company used your report improperly

There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Account opened as a result of fraud

Cathay Bank sent me a check book and a debit card for an account I did not open. The account has monthly fee. 

I had a closed account with XXXX bank in XXXX, who sold their XXXX business to Cathay Bank since XXXX, which has reopened that account in my name without my consent. 

The customer support line of Cathay Bank is not responding after XXXX hour wait.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX/DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Complaint sub-issue: Problem with statement of dispute

I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.
Complaint sub-issue: Account status

I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.
Complaint sub-issue: Information belongs to someone else

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, which was sent with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : XXXX XXXX XXXX XXXX XX/XX/20 Equifax : XXXX XXXX XXXX XXXX XXXXXX/XX/20 Equifax : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20
Complaint sub-issue: Didn't receive enough information to verify debt

Called and paid amount owed.
Complaint sub-issue: Threatened to sue you for very old debt

I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file. 

When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) operated by LexisNexis is reporting incorrect information concerning my driving history. XXXX provided the XXXX Report reference number XXXX. 

XXXX is incorrectly reporting me as having been in two accidents in XXXX. I haven't been in any accidents in at least 20 years. This incorrect information is costing me approximately $ XXXX in insurance rates. 

I attempted to contact XXXX/LexisNexis at the telephone number provided by the insurance company and their web portal, and finally through another number. 

The web portal and automated voice number provide no option for disputing an incorrect report. The web portal only permits you to request a USPS letter that will allow you to THEN request a copy of your information. There is no option to initiate a dispute. 

I finally spoke to a representative using another number on XX/XX/XXXX. After taking my personal information she explained that she was unable to access my information or to initiate a dispute for me. My information is stored with a special group that she was not permitted to tell me the name of. She could not provide any contact information for the group or information as to why my information was not available. 

I have also sent email to XXXX/LexisNexis, but have not received even an automated response. While this has not been going on for a long time, I do not see any reason to think that the company even has a dispute resolution process that could result in my information being corrected.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and Equifax XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
Complaint sub-issue: Information belongs to someone else

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have any permission or consent from I the consumer to furnish a consumer report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX Equifax and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Complaint sub-issue: Problem getting my free annual report

No longer have a credit score, car loan and home mortgage are not being reported to my credit.