Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for  the period in question showing that I lived in XXXX, AZ and not XXXX, TN. 

XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.
Complaint sub-issue: Account status

The account below is not reporting on my credit port and it 's effecting my profile and score. 

XXXX Account Number XXXX
Complaint sub-issue: Problem getting your free annual credit report

I was unable to attain my annual free credit report
Complaint sub-issue: Don't agree with the fees charged

NelNet is charging interest on student loans and has been, even though congress has suspended. The representatives refuse to assist in helping resolve or educate on why they are charging interest and has been. 

www.nelnet.com
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX. Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXXEquifax : XXXX XXXX  : XXXX, XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX, US DEP ED Equifax : XXXX XXXX : XXXX, US DEP ED Equifax : XXXX XXXX : XXXX.
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Card opened as result of identity theft or fraud

yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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
Complaint sub-issue: Account information incorrect

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Complaint sub-issue: Information is not mine

I am a victim of identity theft and have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX stated I opened an account with them on XXXX, 2017. I never opened an account with XXXX XXXX on XXXX, 2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!
Complaint sub-issue: Attempted to collect wrong amount

Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??
Complaint sub-issue: Card opened as result of identity theft or fraud

The Home Depot/Citibank Car opened XX/XX/2021 as a result of fraudulent activity. 
Balance is {$470.00}
Complaint sub-issue: Account information incorrect

My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my Equifax and XXXX credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Complaint sub-issue: Information belongs to someone else

I have requested my credit report. And Equifax will not send me my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Complaint sub-issue: Reporting company used your report improperly

I requested my report from this bureau, and they have refused to provide me with it. I have sent two request and have not received anything.
Complaint sub-issue: Account information incorrect

There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a checking acct online with key Bank on XX/XX/XXXX with the understanding it was a bank promotion of earning {$200.00} after 90 days. The requirement was that I needed to have a direct deposit of {$550.00} or more. I have had numerous direct deposits since then. I was expecting the {$200.00} around the end of XXXX. I called them and stopped in the bank and they seem to be giving me the run around. I did misplace the online code that I used to open the acct but they should be able to verify it. They are still offering the promotion as of today. How hard can it be to see I opened the acct online in XXXX. We are talking about {$200.00} not {$2000.00} or {$20000.00}. I feel like they should have deposited the {$200.00} within a reasonable time of investigating it. 

Thank you,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX acct # 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: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX 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 an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I legally changed my name in XX/XX/2018. I updated the Social Security Administration and all my lenders. Both XXXX  and XXXX  updated information in their files. Equifax did not update their information. Because I have a security freeze on file, now I am unable to obtain new loans or increase limits on the existing loans. Equifax refuses to process my requests because the information in their file does not match the reality. 
When trying to resolve the problem directly with Equifax, they asked me to mail in a copy of my social security card. I am not comfortable mailing the card, and I disagree with the Equifax 's assertion that I should take actions with them to resolve the issue. It is the Equifax 's responsibility to update the information based on my update with Social Security Administration and all my lenders.
Complaint sub-issue: Account status incorrect

Both customer reps from the 3 credit bureaus Equifax, XXXX and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Complaint sub-issue: Unable to open an account

Well the problem is I don't have access to that account anymore more because I don't have that phone number anymore and I don't remember my password. And I gave them all the information they needed like social and addresses like that.The main thing I am asking them for is another credit karma card so that I can pull my money off of it
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax refuses to remove an alleged account from my credit report that XXXX XXXX XXXX said was opened in XXXX. That is beyond the 7 years by Federal Statute and Equifax refuses to remove the Specialized Loan Services entry from my credit report, Equifax 's data shows no payments were made on the account and the account is closed but in repayment process, yet no payments have ever been made on the account listed nor did I ever have a loan with XXXX XXXX XXXX. In addition Equifax has locked me out of my account with them to further dispute this false and outdated information. Multiple times I have request proof from Equifax and specialized loan services for proof any payment was ever made to specialized loan services and since they can not provide proof of any payments being made to them from me, and since the alleged account was from XXXX, it is beyond the 7 year statute of limitations for Equifax to report and by law should be removed from my credit report by Equifax. Equifax refuses to remove an item that is over XXXX XXXX XXXX in violation of XXXX law. 
No payment was made to Specialized Loan services in XX/XX/XXXX, XXXX XXXX XXXX just made up this entry without proof of any payment in XX/XX/XXXX to keep the entry on my credit report. This account is over XXXX XXXX XXXX and a zombie debt and I never had a loan with specialized loan services and they refused to provide proof of anything with my signature on it that I ever had a loan with them, and Equifax refuses to remove the entry from my credit report REAL ESTATE LOANS SPECIALIZED LOAN SER Reported : XXXX XXXX, XXXX {$14000.00} Closed Overview You have 100 % left to pay on this real estate loan. 

Balance {$14000.00} Highest Balance $ 0 Monthly payment {$200.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made 96 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Home Equity Line of Credit Responsibility Individual Account. 
Remarks Account previously in dispute - Now resolved by data furnisher Credit line no longer available - in repayment phase Times XX/XX/XXXX days late XX/XX/XXXX Closed XXXX XXXX, XXXX You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.