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

I submitted a complaint prior to this one with no response. In the interim my wife and I can not secure credit for new family projects due to the credit information being provided by EQUIFAX that does not appear on the credit reports of the other two bureaus. Now seems personal and extremely bias/racist.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX Charge-off
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, my loans with XXXX  were transferred to FedLoan Servicing. I applied for the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/XXXX knowing that my first payment for my loans was coming up. My first payment made was XX/XX/XXXX. My last payment to XXXX under the PSLF was XX/XX/XXXX and then my loans were transferred to FedLoan. Under FedLoan, my first payment was XX/XX/XXXX. I have contacted FedLoan multiple times to get the status of my account review for the payments that were made under XXXX up until the time my loans were transferred. I was told each time that the account was still in review and it has been over a year. Then I received a statement that says only TEN payments made qualify me under PSLF. However, I have been making payments every month for 3 years straight and re-certify my employment every year. I have also been with the same company for the last 10 years so there is no reason that after a year of reviewing my account, they come back and tell me only the payments I have made since my loans were transferred qualify. It is absurd that I am at the risk of being 26 payments behind because they did not handle my account properly.
Complaint sub-issue: Information belongs to someone else

Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

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

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please send to XXXX and Equifax. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed XXXX  : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax today and multiple days last week, when you call your prompted to put your personal identifying information in, after inputting my correct information, I was told my information does not match which gives me a even higher privacy concern with Equifax since they continues to have major breaches. Monday I called and spoke with a representative by the name of XXXX who told me she see Im a victim of fraud and need to add the credit lock for extra protection of my information when my personal information should be protected once they assumed this vital role. Im more concerned that If I dont pay the XXXX like XXXX kept stating my information would not be as protected. I told XXXX no and she still continued to try to coerce me into paying even went as far as stating why cant I buy it and dont I want my information protected, which scares me tremendously. 
A collection account was removed and my score did not increase but it decreased when it was added making no sense. I also called multiple times asking Equifax letting them know this account was not mine and to provide me with substantial proof that they exercise there grave responsibility to make sure this account from XXXX was correctly investigated before furnishing and they failed to do so and failed to remove it. I have no business with XXXX nor does they have a permissible purpose to furnish. Equifax has let another company infringe upon my rights after assuming this position you were to make sure my consumer report is equitable and fair to me according to the FCRA. Equifax data sharing policy states you guys house the consent forms the companies and can provide me the consumer with one upon request,
Complaint sub-issue: Trouble with how payments are being handled

I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Nelnet provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Nelnet services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about nelnet services. HELP US PLEASE. Also my name is XXXX XXXX, birth date XX/XX/XXXX, i started my loan process in XX/XX/XXXX and continued until XXXX of XXXX. Hope this helps. Also my number is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Frequent or repeated calls

Contacted me with two repeat calls that I did not answer ( did not leave voicemail ). 

I answered on the third call. Asked my name and tried to verify me using an incorrect social security number. 

Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA. 

Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location. 

Would not provide any information about why he was calling or what the company was until I would provide social security number.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # ENDING IN XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to all XXXX credit bureaus to dispute items. I have not heard back from them. it has been over 30 days.
Complaint sub-issue: Reporting company used your report improperly

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. 
XXXX XXXX XXXX XXXXXXXX, 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 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.
Complaint sub-issue: Reporting company used your report improperly

.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 : XXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX, Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXXXXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX CARD XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX Acct 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.
Complaint sub-issue: Account terms

Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.
Complaint sub-issue: Account information incorrect

I am writing this today in regards to XXXX  XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.
Complaint sub-issue: No notice of investigation status/result

I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I filed a complaint against on XX/XX/20. From Citibank reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, XXXX, and XXXX  releasing my credit reports without consent. 

The following are issues that Citibank needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of Citibank inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late.

-- My credit score has been negatively effected in terms of a low score of XXXX because Citibank lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice.

-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that Citibank would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If Citibank attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from Citibank notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). Citibank claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted Citibank of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with Citibank and XXXX. I question how Citibank accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If Citibank doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. XXXX XXXX say I have good credit. What the heck 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 60 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. 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 60days 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 21 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.
Complaint sub-issue: Seized/Attempted to seize property

I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Complaint sub-issue: Public record information inaccurate

There are fraudulent bankruptcies reporting on my credit reports
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

I would like to request a security freeze placed on my report and request a PIN Code.

I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.

Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX accounts for {$340.00} & {$460.00} have been paid on my equifax credit report. These accounts are paid, and need to be REMOVED from my credit report. Please get these accounts off of my report.
Complaint sub-issue: Account status incorrect

I had a collection on my Equifax credit report placed by XXXX XXXX XXXX. It has been on the report for a year and 8 months. On XXXX XXXX. 2022 I called the XXXX and made arrangements to pay the debt, I paid at once with my bank debit card, they in turn notified Equifax of the settlement. Equifax now shows the debt as paid but continues to report the debt as a negative with remarks that lt needs my attention. This is keeping my credit score from a fair rating. Everything else on my report is perfect.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I need to take all the stuff off my report XXXX Equifax XXXX I gave them a report all my information and paperwork paperwork to XXXX XXXX XXXX  XXXX and XXXX XXXX