Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I.Q. Data International , INC XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the NMLS Consumer Access, I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
Complaint sub-issue: Reporting company used your report improperly

My personal information may have been stolen during the Equifax security breach. I have already visited www.equifaxsecurity2017.com, and after I entered my information, I received this message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' Because I may be affected by the breach, I have placed a 90 day fraud alert on my file.
Complaint sub-issue: Debt is not yours

Medical Company is trying to collect a debt that is not mine and it is still on my XXXX  credit report showing as closed but it is NOT MINE. 
I.C.System INC Acct # XXXX XXXX  XXXX XXXX {$600.00} Can you please have the credit bureau removed?
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi XXXX Savings online account over 2 months ago in response to an ad that promised a {$100.00} bonus for maintaining a min. balance for 60 days. It's been over 60 days and I'm still waiting for the bonus to be paid
Complaint sub-issue: Account information incorrect

i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to XXXX XXXX XXXX. 

XXXX now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX Resorts that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that XXXX received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new XXXX year period of reporting. This account has already been reported for XXXX years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted XXXX and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted Equifax and filed XXXX disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. Equifax said that the information will remain the same each investigation took a matter of XXXX hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided Equifax with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.
Complaint sub-issue: Account status

Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
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 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 XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX DBA XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 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: Attempted to collect wrong amount

I paid off my debt for : XXXX XXXX XXXX 
JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX  XXXX  XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

XXXX  IS A ONE PERSON CONSENT STATE.
Complaint sub-issue: Didn't receive advertised or promotional terms

Promotion for opening account included {$200.00} ( 20,000 points ) when you spend {$750.00} in the first 3 months. It also stated that the first {$500.00} will get 5X points and everything else will get 1X points. I spent {$3000.00} on the card in the first 3 months. I received the 20,000 points and then 3000 points ( 1X on dollar spent ). It should have been 20,000 points + 2500 points ( 5X first {$500.00} ) + 2500 points ( 1X remaining {$2500.00} ). I already received 23,000 points ( 1X on full {$3000.00} ). I made multiple attempts to remedy this with them, but it is always escalated to the rewards department, however, I never receive a response from them and the points are never updated properly.
Complaint sub-issue: Investigation took more than 30 days

This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.
Complaint sub-issue: Information belongs to someone else

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile.
Complaint sub-issue: Frequent or repeated calls

I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.
Complaint sub-issue: Account status incorrect

Back in XX/XX/2018, I spoke with a nelnet rep. They gave me a new repayment plan which was to begin on XX/XX/2018. They also told me I would get a Admin. Forbearance which meant that my account would be come current and up to date and allow time for my monthly billing statement to be sent to be before my first payment of my new repayment plan is due. Then I check my credit report in XX/XX/2018 and see that I have XXXX, XXXX, XXXX, & XXXX late fees on my report. I emailed them, faxed them and they refused to remove my remarks. They told me I was out of forbearances. So why didnt they tell me that back in XXXX. Anyways, again I checked my nelnet account online yesterday and I see they have updated my account with a new repayment plan of XX/XX/2018, which is fine, but they also gave me a Admin Forbearance, which is what I thought I was getting back in XXXX. I feel they are trying to make up for what they didnt do in XXXX. I am thankful they did this for me, but its a little to late for my credit report. I am gladly accepting this new repayment plan, but why was this not put into place back in XXXX. I feel that they made this mistake and not changed my information back in XXXX which lead to late payments on my report. If I was out of forbearances back in XXXX then why did they give me on in XXXX? Do you see what Im getting at? I think they just never changed anything to my account in XXXX and thats how the late fees came about. All Im asking is for these to be removed and make my account up to date and current. Because it was not my fault. I am keeping my payment arrangement the way it is now, but want those XXXX XXXX XXXX and XXXX updated. I also got an email from them : To dispute this further, you must file a credit dispute directly with the XXXX XXXX Agencies. Nelnet and the XXXX XXXX Agencies will then work together to investigate your dispute. Below is the contact information for each of the XXXX XXXX Agencies : then gave me the credit reporting information. 

If I file with the reporting agencies, I dont think anything will happen because they will still refuse to change this, even though its not my fault. So this seem like a waste of time. 
I have tried doing this but nelnet just keeps saying its accurate. Its only accurate because they never updated the admin forbearance on my account in XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my Equifax. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Complaint sub-issue: Debt was paid

I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX  keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX, the consumer and natural person under law and I am submitting this complaint myself and there is no 3rd party involved. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. The attached letter contains the the accounts that are adversely affecting me. Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports. The following information is adversely affecting me and is a violation of my consumer rights. I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. my credit file immediately 1.XXXX XXXX Account Number : XXXX 2XXXX Account Number : XXXX 3.XXXX Account Number : XXXX Please follow the law. The response of " Unauthorized third party '' will not be accepted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX  XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the XXXX and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Complaint sub-issue: Information belongs to someone else

In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX, XXXX
Complaint sub-issue: Account information incorrect

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Complaint sub-issue: Account status incorrect

I have written to Equifax on several occasions ( the last time XX/XX/2020 ) requesting that they fully verify that the accounts on my credit report belongs to me. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have refuse to delete the accounts as stated by the law. 

In addition they ( Equifax ) have taken more than 30 days to respond to my letter. My letter was sent on XX/XX/2020 ( as shown on receipt attached ) They responded on XX/XX/2020.
Complaint sub-issue: Public record information inaccurate

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've contacted Equifax on multitalented occations and they refuse to assist me handling my dispute process with involves identity fraud with accounts trying to be opened. XXXX and XXXX have successfully removed my fraudulent inquires and Equifax still remains to not care on assisting me after I have provided the with police reports and filed disputes. Police report no. XXXX XXXX XXXX XXXX Sheriff Dept. Equifax dispute confirmation no. XXXX 1.XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY 2.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 3.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 4.XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 6.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided
Complaint sub-issue: Threatened to sue you for very old debt

HELLO IM CONTACTING YOU ABOUT HUNTER WARFIRLD INC I BELIEVE THEY GO BY XXXX XXXX XXXX THEY HAVE BEEN HARASSING ME AND THREATING TO FILE LEGAL ACTION WHEN THE ACCOUNT WAS FROM BACK IN 2010 IT HAS BEEN PASSED 7 YEARS AND THEY ARE STILL ADDING IT TO MY CREDIT REPORTS I HAVE TRIED TO TALK TO THEM BUT THE DEBT COLLECTORS WERE SO RUDE TO ME AND BE CALLING AFTER HOURS WAKING ME OUT MY SLEEP THEY HAVE LEFT SO MANY MESSAGES ON VOICEMAIL ABOUT THIS MATTER I JUST WANT THEM TO STOP.