Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Complaint sub-issue: Company closed your account

I have been using this credit card for over 15 years in good standing. Recently my daughter ( who is an authorized card holder ) was travelling and when she tried to use her card it was declined. She was stranded away from home without the ability to use her card for necessary purchases. When I contacted the company they only said that it was closed for " security reasons '' and would not be able to give me any more details. I have no idea if any fraud or other criminal activity was perpetrated on my account and I do not know if my ID has been compromised, since the company will not give me any further details. I also do not want any negative information to go to my credit report without my ability to even defend myself.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are require to remove/block any items which 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 are not 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details
Complaint sub-issue: Debt is not yours

I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. 

Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to me!!
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Debt is not yours

XX/XX/XXXX the collection was XXXX  accoint # XXXX i never signed a contract with XXXX. then collection come back as ... I c systems then XXXX XXXX original contract i signed was with XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

My complaint is about getting information from Equifax. I tried to start a dispute on the Equifax website 5 minutes ago. Equifax claims I have 7 accounts open on my account. When I tried to dispute this on their complaint page- the open accounts were not in there account. This is fraud and false information. These Credit Reporting agencies should be fined or put out of business. I have just been denied housing because of a false credit report, and denied funding for university. I can show you the rejection emails! I want a judgement of XXXX XXXX dollars from Equifax.
Complaint sub-issue: Problem getting your free annual credit report

Dear XXXX Equifax has continuously denied me a free annual credit report, fort 3 years now XXXX XXXX and XXXX instead of mailing my free annual credit report, they mail me a letter saying that according to their records they have already provided me, in the last 12 months with a free annual credit report, which is inaccurate.
Complaint sub-issue: Report improperly shared by CRC

equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX > I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX service company (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX company do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!
Complaint sub-issue: Investigation took more than 30 days

I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form 3800 receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.
Complaint sub-issue: Information belongs to someone else

According to XXXX, XXXX and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Complaint sub-issue: Received bad information about your loan

I am responding to the below reply from XXXX XXXX because the complaint was closed before I had the opportunity. 

XXXX : The information you sent is NOT what I requested. I requested ALL loan documents, ALL of them, including the original promissory note. My loan was taken out in XXXX and the info you sent begins in XXXX. That is CLEARLY not everything. 

Secondly, I AM paying monthly and have been for quite some time. That amount is ALL I can afford. Would you prefer I completely ignore this loan and make no payments? That is a question I would like a response to. 

So, NelNet and XXXX are separate - I am filing SEPARATE complaints. Why are you receiving both of them??? 





Dear XXXX, Thank you for your inquiry regarding your federal student loan account with Nelnet Loan Servicing. The Consumer Financial Protection Bureau ( CFPB ) forwarded your inquiry to us for a response. We understand your still have the following concerns : 1. You received a response from the same person, but the complaint was for two different companies. 2. You requested the documentation by U.S. postal mail, however, they were sent on the CFPB portal. 3. You have been making payments through your bank. You are requesting clarification that payments were received. We previously serviced your Federal Family Education Loan Program Consolidation Loan. This  loan has defaulted and will soon be transferred to your guarantor, XXXX XXXX XXXX XXXX ( XXXX ). Issue 1Same person answering for two companies : When a complaint is submitted through the complaint portal on CFPBs website, they forward the complaint to the company that should answer the complaint. We received both complaints, and answered accordingly. Nelnet Loan Servicing is a separate business from XXXX. Issue 2Documents requested by U.S. Postal Mail : On XX/XX/XXXX, we mailed the documents you requested. Issue 3Payments received : We previously explained your loan was subject to default due to nonpayment. While we have received some payments, the payments were not sufficient to cover the required monthly amount due. Beginning XX/XX/XXXX, your required monthly payment was {$64.00} as reflected on your monthly billing statements and payment schedule. Since XXXX, youve paid less than what was due each month. Because the minimum payment was not satisfied on a continual basis for more than 270 days, you defaulted on your repayment obligation and your loan will soon be transferred to your guarantor, XXXX, for collections. We attached a copy of your payment schedule and payment history, and mailed copies to you as well. We hope you find this information helpful. If you have any other questions, please call us at XXXX, between XXXX XXXX to XXXX XXXX ( Eastern ) Monday-Friday.  You can also visit our website at Nelnet.com or email XXXX. Sincerely, XXXX XXXX Nelnet Loan Servicing Attachments ( 2 ) : Payment history Payment schedule ATTACHMENTS XXXX XXXX XXXX ( 28.1 KB ) XXXX XXXX XXXX XXXX ( 180.2 KB )
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted the following information to Equifax. 

Equifax XXXX XXXX XXXX , XXXX 
XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Consumer Center in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Bankruptcy Chapter XXXX in XX/XX/XXXX and Bankruptcy Chapter XXXX in XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Consumer Center 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 Identify Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX I received notice from Equifax that the information was verified with XXXX XXXX however I have a current freeze with XXXX XXXX  which would make that not valid information. Therefore request that this be investigated and the bankruptcy be removed from my report. I have attached documentation to support.
Complaint sub-issue: Problem with product or service terms changing

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Complaint sub-issue: Was not notified of investigation status or results

I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, XXXX and Equifax in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the Equifax data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, Equifax and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all XXXX credit bureaus and faxed to Equifax. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX card number ending in XXXX I should have a zero balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault