Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.
Complaint sub-issue: Their investigation did not fix an error on your report

nothing has been resolved equifax. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more stupidity. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE idiots have blocked me from creating a generic security account at trustedid.com?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Old information reappears or never goes away

Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau XXXX, Equifax and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!
Complaint sub-issue: Personal information incorrect

My wife and I are applying for a loan. Our lender was unable to pull the Tri-report because Equifax has both my wife and my current and previous addresses incorrectly annotated. The other two bureaus report our information correctly. 

We were advised by Equifax to provide documents, to which we did - via both fax and overnight delivery. one option NOT available to us is via faster encrypted email. We were told the issue would be resolved in 3-5 business days for the documents to be reflected on our credit file, but we would only be notified IN WRITING and via the post office that may take up to 30 days! With today 's modern technology, how can they not immediately email/text us responses that our information has been updated to prompt us to check our files? 

My wife has called Equifax daily, every business day, since XX/XX/2019. As of XX/XX/2019, we were informed by Equifax personnel that her information has not even been received by the bureau. Our queries as to whether or not the fax/mail was received only prompted scripted responses, which of course were of no value, only that we would receive written and mail responses within 30 days as to when they do correct errors that they created. 

We would like the ability to purchase our home but, when dealing with an organization whose business model is based upon data accuracy - and the absolute protection of that data - we can not move forward with a loan because a company has poor business practices. These insufficient business practices include both data accuracy and customer service related to the correction of data errors ( which, incidentally, were created by the business and not the customer ). 

We can not wait the 30 days for a letter in the mail to confirm that our addresses have been updated, nor should be wait beyond the 3-5 business days claimed by Equifax to only be told they have not received our information.

**point of clarity - I am writing on behalf of the issues pertaining to my wife. I too have errors just recently discovered, but I have only recently given Equifax my updated information. Therefore, I can not in good faith claim faulty services on my behalf ... yet.
Complaint sub-issue: Information belongs to someone else

I have mentioned in my previous disputes that the listed accounts are erroneous and inaccurate, yet those accounts are still showing on my report. This goes against FCRA section 623 ( B ) ( i ).
Complaint sub-issue: Debt was paid

Hello, I am in concern with discover XXXX they have been taking money from unknown accounts of my relatives to my parents to put it in their accounts when I had paid them fraudulent charges along with debit owed. Ex ; XXXX had used the card ending XXXX and widthrew about 5k from my account caused XXXX  and XXXX XXXX XXXX to seize my accounts and now still charged my accounts when the debits are cleared and this is the last time I am ever going to conduct bussiness with them because they had added state of California account to my account and had made payments when my account is at freeze mood. I wanted to know what kind of collection is that and then they send employees and people by paying them who are living as of now in XXXX and XXXX XXXX   who has interests in it and want me to not pursue it because a lot bunch of filthy secrets will be unveiled. I leave this to CFPB to assist or not but following is my demands and need to be met in 14 days.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act XXXX, XXXXXXXX Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Received bad information about your loan

I submitted a CFPB complaint in XX/XX/2019 that FedLoan was not providing any information to me about how many qualifying payments I had made for PSLF ( at the time, FedLoan was saying I had made 0 qualifying payments and would not update my records, despite my making payments and having employment certifications covering over five years ). In response, I received a letter from FedLoan dated XX/XX/2019, that said I had made 42-43 qualifying payments. At least 18 payments are missing from this calculation. I asked FedLoan for information about what payments it deemed to be qualifying and not qualifying, as previously a FedLoan representative had told me that FedLoan was not counting any payments that I had made to Navient ( the previous servicer ) as qualifying, because XXXX had not provided payment information to FedLoan. FedLoan told me in XX/XX/2019 that it would take 1-3 months to send me information about what payments it deemed to be qualifying and not qualifying, and the basis for the " not qualifying '' payments. I still have not received this information, and my qualifying-payments calculation is still missing over 18 payments.
Complaint sub-issue: Personal information incorrect

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Unable to open an account

Applied several times for checking account. Received a letter stating they cant verify my identity. I have since ran all three credit reports. All is in order. 

Application # XXXX
Complaint sub-issue: Deposits and withdrawals

I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX
Complaint sub-issue: Public record

There is a Tax Lien on my credit report that need to be removed. 
Reference # XXXX Amount : {$350.00}
Complaint sub-issue: Public record information inaccurate

I have attached letters to my complaints regarding the report that should not be in my file.
Complaint sub-issue: Investigation took more than 30 days

I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.
Complaint sub-issue: Account status incorrect

I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.
Complaint sub-issue: Information belongs to someone else

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}
Complaint sub-issue: Debt is not yours

I have received 10 robo calls from XXXX XXXX XXXX in the last 4 days. I do not have any debt to this company and never have. I have asked them to stop the calls. The call frequency has increased since I spoke with them.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed
Complaint sub-issue: Was not notified of investigation status or results

My identity was used to open an online account with myEquifax.com, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, also on XX/XX/2022, case # XXXX, I called Equifax at XXXX, and XXXX, to have the illegal account that was opened with my identity closed due to my identity being used to open an account with myEquifax.com, I have an police report case # XXXX, also on criminal complaint submitted with the state of Michigan, case # XXXX.
Complaint sub-issue: Was not notified of investigation status or results

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .Equifax sent me Equifax sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XX/XX/XXXX did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX # of Month of terms : XXXX XXXX XX/XX/XXXX. XXXX EQ XXXX XXXX XXXX Balance : XXXX {$6100.00} XX/XX/XXXX XXXX EQ XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XX/XX/XXXX and XX/XX/XXXX .XX/XX/XXXX and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXXXX/XX/XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Complaint sub-issue: Information belongs to someone else

THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a Hard inquiry on Equifax from a company called XXXX. Have not applied for any type of credit for over a year and a half. Did not authorize nor consent to said inquiries of any type. Equifax does not even have correct data of my credit history! 
Have tried to contact them with zero return emails or phone calls. 
Equifax is a joke for a credit reporting agency and should be put out of Business.

Tired of the misreporting and lack of caring by said agency!

Reporting loans never had, balances never owed. 
Tell XXXX they have to stop random inquiries to this consumer before I go postal on them! 
XXXX has no right to my reports without consent and will be sued for harming and continuing to harm my credit with XXXX inquiries! No I am not Politically Correct. Plus want to no why these agencies have access to my Social Security Number in the First Place as SSN 's are not to be used for Identification except for the Federal Government?
Complaint sub-issue: Problem with statement of dispute

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

I tried several times to call and speak with LoanCare regarding LoanCare inaccurately reporting our account number XXXX as late by 90 days in XXXX. I finally got connected to a lady name XXXX, who provided me with an email address to deal with the credit reporting error. On XX/XX/XXXX, I received an email indicating a ticket number that they had assigned our account to LoanCare 's Loss Mitigation Team for review and resolution, but I have heard nothing since.

Meanwhile, we are moving and our mortgage loan approval and interest rate are being affected by this errant reporting. Below is background information regarding this inaccurate credit reporting by LoanCare as detailed in my email to LoanCare : Due to the pandemic, we applied for and were approved for a 90 day payment forbearance ( see attached letter dated XX/XX/XXXX from LoanCare approving the forbearance Confirmation number XXXX ) Due the continued unknown future of the pandemic and the Stay at Home Order, we could not rent the subject property collateralizing this loan, so we called and were provided with a 90 day extension through XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX and out handwritten notes on the letter - Confirmation number XXXX ) On or about XX/XX/XXXX, I noticed through my XXXX and XXXX accounts that my credit score had gone down by about 50 points. I researched the matter and found that LoanCare had reported the subject loan as delinquent 90 days. I called LoanCare and spoke with a lady that said LoanCare did not report us delinquent and that I had to go to the credit reporting agency for resolution. I contacted XXXX, and after a few weeks, they sent a report indicating that the issue had been resolved, and my XXXX and XXXX credit scores are now both back around XXXX. ( See attached letter from XXXX  dated XX/XX/XXXX ) I am now applying for a loan to purchase a new home and my mortgage company informed me that LoanCare is still showing my loan as 90 days past due ( See attached credit report, page 3 ).

Please note that the subject loan was never past due and was paid in full through sale of the property on XX/XX/XXXX. Coincidentally, that is the date that LoanCare reported our loan as 90 days past due. We never received any past due notices.

My wife and I have never been past due on any payments in our lives, and this is affecting our credit availability.

LoanCare is not being responsive. There customer service phone number is ( XXXX ) XXXX. Please help!