Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I have sent numerous Email to Nelnet regarding inaccurate reporting of a late payment, my loans was transferred over to Nelnet in XXXX of XXXX, On XXXX I called Nelnet to advise them that due to covid -19 and I'm on umemployment that I can not make payment, the representative put me on a a unemployment deferment. ON XXXX I received a notification that I have a 90 days late payment on my credit that is impossible because I was under the unemployment deferment, I wrote them a letter and also sent them proof of my phone records that I spoke to them on XX/XX/XXXX, XXXX they stated that they dont have any records noted on my account. This is unfair and unlawful against my consumer rights to make me pay for someone else negligence for not noted the account. I have attached my receipts along. I spoke with a Representative name XXXX on XX/XX/XXXX at XXXX and he stated that there is nothing he will do and that it will remain,
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX  XXXX in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.
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. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

There are inquiries on my report I do not recognize
Complaint sub-issue: Information belongs to someone else

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final classes for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX as I'm sure ...
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK WEST Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK WEST Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Complaint sub-issue: Account status

equifax is reporting incorrect information. it is preventing me from obtaining a student loan for my child. XXXX and XXXX are reporting correctly and i have letters from the companies that everything is paid. i have no delinquencies. equifax is refusing to send me a copy of my credit report. so i can dispute this
Complaint sub-issue: Debt is not mine

Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.
Complaint sub-issue: Information belongs to someone else

I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX-XXXXand Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Complaint sub-issue: Debt is not mine

Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.
Complaint sub-issue: Debt was paid

The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.
Complaint sub-issue: Public record information inaccurate

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

No permission was given to this consumer reporting agency to report any of my consumer information which is a violation of my consumer rights, persuant to 15 USC 1681a ( 4 ).
Complaint sub-issue: Problem accessing account

I am trying to link two financial accounts and PNC is prohibiting me
Complaint sub-issue: Debt was paid

I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.
Complaint sub-issue: Information belongs to someone else

I've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX  XXXX-XXXX/XXXX  2.XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX 3.XXXX  XXXX  XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX   Inquiry : XX/XX/XXXX 7.XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 9.XXXX Inquiry : XXXX. XXXX, XXXX 10.XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX 13.XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XXXX  XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 15.XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES XXXX.
Complaint sub-issue: Billing dispute for services

XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION I SPOKE WITH THEM PASS 30 DAYS AND THEY ADVISED ME IT WILL BE REMOVED IT'S NOW STILL ON MY CREDIT REPORT. 

XXXX XXXX BANK IS REPORTING ON MY CREDIT REPORT SEVERAL TIMES WHICH I SPOKE TO THEM AND SENT IN A DISPUTE LETTER AND IT'S STILL REPORTING ON MY CREDIT REPORT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 status incorrect

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance startingXX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Complaint sub-issue: Information is not mine

My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
Complaint sub-issue: Account status incorrect

I have a late payment on my Equifax from a company called XXXX dated XX/XX/2016. My loan was sold from XXXX to XXXX. I switched all my payments over and was never late or delinquent on any payments. XXXX reported to my credit that I was. I have a letter dated XX/XX/2016 from them saying it was reported in error and should have been removed in XX/XX/2016. It is still there and I am now unable to get preapproved for a new loan. We have sold the property associated with this original loan and the it is 100 % paid off, and shown accurately on my credit from XXXX. Ive been in communications with XXXX and Equifax and nothing has been resolved. Each company is blaming each other. I have been battling this for three years. I dont how to resolve this problem at this point. 
Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax still haven't emailed or called me back and I still can't login.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. All 3 credit reporting agencies ultimately blocked the fraudulent information, until recently. In XX/XX/XXXX, I learned that 3 of the fraudulent accounts ( all XXXX XXXX XXXX XXXX accounts ) that were previously deleted from my credit file, had been reinserted by Equifax. I have made several attempts to resolve this issue directly with Equifax. Each time I call, I am transferred to many different departments and representatives before I am finally connected with their Office of Consumer Affairs and I get nowhere from there either. I have spent countless hours on the phone with Equifax over the past month trying to resolve this issue, to no avail. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditor in that respect on my behalf. Any attempt to try to access the dispute status online or to view a copy of my current credit file online, are quickly rejected by their system. When asked why I am unable to access my file online, Equifax informed me that since I have been a victim of Identity Theft, all online access to my credit file has been removed and that I may only discuss my file with Equifaxs Office of Consumer Affairs. This denial of access to my credit file leaves me vulnerable as I am unable to monitor my file for any potential suspicious activity. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I informed the representative that I had received a letter from Equifax informing me that my personal information had indeed been accessed during their XX/XX/XXXX data breach, and suggested that this Identity Theft is likely a direct result of that data breach, the representative literally hung up on me. Additionally, Equifax is also in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), requiring them to notify me of the reinsertion in writing within 5 business days. I have received no such notice. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All of the inquiries listed in the attached identity theft report and bellow are all fraudulent. 

Fraudulent Equifax Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Account status incorrect

There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close it.
Complaint sub-issue: Account status incorrect

I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.
Complaint sub-issue: Public record information inaccurate

I have informed all 3 credit bureau 's XXXX, Equifax, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.
Complaint sub-issue: Information belongs to someone else

I have not gave permission for these companies to run my credit : XXXX XXXX or Credco to run my credit. Please remove this from my reporting. Thank you so very much! 

XXXX XXXX has run my credit on these days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credco has run my credit on : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ,
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act 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: Their investigation did not fix an error on your report

An original letter was sent on XX/XX/XXXX and XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Complaint sub-issue: Account status incorrect

This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at XXXX XXXX and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither Equifax or XXXX XXXX will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
Complaint sub-issue: Their investigation did not fix an error on your report

My personal information was involved in the Equifax data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.
Complaint sub-issue: Frequent or repeated calls

Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.
Complaint sub-issue: Investigation took too long

I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX
Complaint sub-issue: Debt is not yours

I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.