Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX have 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: Public record information inaccurate

There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my XXXX that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX 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

XXXX XXXX HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Complaint sub-issue: Debt was result of identity theft

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Complaint sub-issue: Didn't receive notice of right to dispute

I contacted the debt collector on XXXX to request a verification of debt letter by a supervisor ID # XXXX XXXX. I was told she was not able to send one as IC Systems did not own the debt they were trying to collect on. I was told they could only send me a balance statement in regards to the debt. I made clear that I have not received any correspondents via USPS and was only mad aware of the debt when I ran a credit report.

I made multiple request for a letter to verify the debt and was told it would not be sent.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Didn't receive services that were advertised

For over a week I have been trying to sign up for the Equifax Trusted ID service to freeze my credit report with Equifax due to the recent security breach. I was able to successfully freeze my credit report with the other two agencies in under an hour with minimal effort, but with Equifax I have been met with nothing but a wall of miss-information and unhelpful representatives. The e-mail that Equifax said they were supposed to send to complete the enrollment process has never arrived after more than a week. When I call I am told someone will call me back in 24-48 hours, but they never do. When I called today ( 3 separate occassions ), I was told by a call center representative that the e-mail may never come and I should stop trying. When I asked to speak to a supervisor, I was told they dont have any supervisors, just people working the phones giving out other phone numbers to call that are non-operational numbers. One of the numbers begin given out is XXXX. What is most frustrating is all the advice we keep hearing from so called 'credit experts ' that keep saying, sign up for the free Equifax service and lock your credit report. Obviously they do not have the same issue that many others are having. Would appreciate your agency investigating Equifax and their ability to handle credit freezes and the services they are advertising. Someone at Equifax needs to be held accountable and our elected officials should investigate the company.
Complaint sub-issue: Public record information inaccurate

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted XXXX  XXXX XXXX and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Complaint sub-issue: Debt is not mine

I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
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 and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$41.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX EQUIFAX : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} - XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$5100.00} XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT
Complaint sub-issue: Received bad information about my loan

My loan ( which had been refinanced/consolidated and was in good standing ) was servicing transferred American Education Services ( AES ) from XXXX. Upon servicing transfer, AES changed the terms of the loan, including interest rate, amount due, term, etc. According to their information, this loan is now in Forbearance and they are charging me interest only payments rather than applying the amount to principal that was specified in the previous loan agreement. I have requested multiple times for them to research the history of the loan and correct their mistake, but they have chosen to do nothing. I asked them how they were justified in changing the terms of the loan under a simple, servicing transfer, but they insist that the loan was in default. XXXX 's records will show otherwise, but AES has elected to not research the history of the loan and update their records.
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. Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX # XXXX Acct name : XXXX # XXXX Acct name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Complaint sub-issue: Their investigation did not fix an error on your report

this what Eqiufax which is inaccurate XXXX XXXX  XXXX/XXXX  XXXX Reported XX/XX/2020 82 % Balance : {$1600.00} / {$2000.00} Overview You're currently using 82 % of your account 's limit. 
Balance {$1600.00} Credit limit {$2000.00} Minimum monthly payment {$55.00} Opened
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a ton of automobile inquires ranging from XXXX -XXXX and XXXX  mortgage inquiry in 2017 that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, Equifax, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit bureau ( XXXX, XXXX, and Equifax ) account was frozen without my consent by a third party.
Complaint sub-issue: Received bad information about my loan

When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.