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

I recently received a copy of my Equifax credit report. They are showing an incorrect listing on my credit file. It may belong to someone with a similar name but it does not belong to me. I have had a problem with identity theft before. That is the reason that I placed a freeze on any and all of my personal information from any outlet that I could. I disputed this listing and Equifax did not follow the law. 
1. They did not complete their investigation within the 30 day period allowed by law. You will see this proof with copies of the dated letter I mailed them and the dated response from them. 
2. Equifax blatantly lied about their investigation process and findings when they claimed they verified this listing with the XXXX County Register of Deeds, XXXX County Bankruptcy Court, and with XXXX XXXX. 
XXXX. I have a letter from the XXXX County Bankruptcy XXXX and XXXX of Deeds stating that they in fact have not and do not ever verify public records information with anyone. 
XXXX. I have a copy of a letter from XXXX XXXX showing where my security freeze has been in place well before Equifax claimed to investigate the listing. Therefore, they lied about receiving any information from XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hi I am submitting this 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 more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX 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 negative account 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 XXXX times in the last 120 days. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Complaint sub-issue: Public record information inaccurate

Bankruptcy is incorrect never filed for bankruptcy
Complaint sub-issue: Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX   Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter in the mail claiming I owed a debt to this company, I sent a letter back and gave them 30 days to respond as they gave me 30 days to respond I sent a letter and have not heard anything back and more than 30 days have passed, this should not end up on my credit and the debt collector should cease all contact and attempt to collect this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I did the pre-qualify section on Carmax XXXX website to potentially obtain financing for a new vehicle. I only did the pre-qualify section. It clearly stated that a prequalification would not be a hard pull on my credit. I never did a credit application. I went to the carmax store in XXXX alabama and spoke with XXXX the sells manager and he pulled up my pre-qualification on the computer. He saw where i did the prequalification online and also saw where i did not do a credit app. The next day i receive a text from a Carmax associate named XXXX. He stated that he was reaching out to me to see about selling me a new car. I never spoke with him nor texted him back. About 20 minutes later I received an alert from my credit monitoring app on my phone saying that you have a new inquiry from CarMax. I reached out to Carmax corporate office to address the issue and explained that i did not do a credit app but somehow my credit report ( XXXX ) was hit with an inquiry from Carmax. The prequalification section clearly states that no impact will be done to your credit. I received an email from XXXX at carmax corporate office saying that sometimes inquiries happen on pre-qualifications. A pre-qualification and a credit app are two totally different things. Carmax is not willing to remove this inquiry that they placed on my credit report fraudulently. The act like its no big deal, and they are hurting my credit.
Complaint sub-issue: Don't agree with fees charged

XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api
Complaint sub-issue: Debt was result of identity theft

I have attempted to remove this NEGATIVE DEGATAORY ITEM multiple times as a result of IDENTITY THEFT. CREDITOR continues to verify. Attached you file the information on my credit file, additionally, the police report from XXXX that has been submitted MULTIPLE TIMES, Additionally FTC report filed. The account has been removed from XXXX and XXXX, NOT XXXX. 

GreenSky , LLC On XX/XX/XXXX, the Bureau issued a consent order against GreenSky , LLC ( GreenSky ), a financial technology company that services and facilitates the origination of consumer loans. The Bureau found that GreenSky engaged in origination activity on thousands of loans to consumers who did not request or authorize them and that the company structured its loan origination and servicing program in a manner that enabled the origination of unauthorized loans. This conduct was unfair in violation of the Consumer Financial Protection Act of 2010. The Bureaus order requires GreenSky to refund the accounts or cancel the loans of customers harmed by the conduct up to {$9.00} XXXX, implement enhanced loan authorization and verification procedures to prevent unauthorized loans from being issued in the future, and pay a civil penalty of {$2.00} XXXX. 

RELATED DOCUMENTS Consent Order Stipulation PRESS RELEASE CFPB Takes Action Against XXXX XXXX GreenSky for Enabling Merchants to Secure Loans for Consumers Without Their Authorization CASE DOCKET View case filings ACTION DETAILS Forum Administrative Proceeding Docket number XXXX Initial filing date XX/XX/XXXX XXXX
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX  ( XXXX XXXX ) : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 record 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: Personal information incorrect

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX )
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 University : XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX # 51, 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: Public record

The County and Federal Courts do not report to the credit bureaus, I have sent several certified letters to Equifax asking them to delete the public records they attached to my social security number. In addition, there are freezes at XXXX, XXXX, XXXX, XXXX and several other companies that report public records, with files with my social security numbers. It is for these reasons that I know that they are lying with regards to validating these public records.I am requesting that they remove them immediately.
Complaint sub-issue: Can't temporarily delay making payments

I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.
Complaint sub-issue: Account status

I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.
Complaint sub-issue: Debt is not yours

This is another attempt to resolve this matter ; exhausting my remedy prior to taking legal action against LOANCARE and all of its affiliate entities i.e. newrez, etc. On numerous occasions, I attempted to resolve/settle this issue with the LOANCARE ( I demanded proof of a valid contract with Signatures between me and LOANCARE ) but LOANCARE never responded. 

LOANCARE is engaged in FRAUD and CRIMINAL ACTIVITY ; obtained my personal information from various sources ; to create a fraudulent credit account. I NEVER authorized LOANCARE to create a credit account. 

FRAUD : 1. In XX/XX/2019, I became aware of the fraud. 
2. This account was opened without my knowledge and without my consent.

3. I DID NOT request to open this account and I DO NOT have a written agreement to open a LOANCARE account ( no communication ; no signature ).

4. I NEVER made a contract for services or payment to this fraudulent creditor.

5. Numerous occasions, I contacted the fraudulent creditor ( LOANCARE ) to inform them that I do not owe this debt. I demanded that the fraudulent creditor to provide the original ; signed agreement between the Principal and LOANCARE. LOANCARE failed to reply.

For two years, I have been subjected to ongoing fraud, extortion, harassment, conspiracy, and injured ( i.e. negatively impacted consumer credit profile/rating ) directly ; due to the actions of LOANCARE ; who continuously report false and fraudulent information to the three credit reporting agencies.

On four occasions, I disputed the information LOANCARE provided to the three credit reporting agencies. The disputes were futile because my personal credentials were compromised and used to support the fraudulent activity. IRONICALLY, the three credit reporting agencies validated the fraudulent credit account BASED upon my validated personal credentials, which were used to support the fraudulent credit account. 
I NEVER provided any personal information or data to LOANCARE. 
I NEVER agreed two terms and conditions with LOANCARE.

There is NO CONTRACT nor agreement between me and LOANCARE.

I NEVER made a payment to LOANCARE.

DEMAND to fraudulent creditor : Provide the original ; signed agreement ; displaying personal signature.

LOANCAREs operations are unethical and fraudulent and MUST be terminated immediately ; numerous similar complaints posted online.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX, at XXXX XXXX, I was suppose to get a deposit of XXXX dollars, in my checking account. It never showed up in my account, I contacted social security, and they said they had the right routing, /account number, and it should be at US BANK XXXX I went to US BANK , three times, and they would not tell me were my money is, even though they said my routing number and account number was correct, I had to pay my rent, so I am overdrawn now, because this bank, can not accept direct deposits. Even though they push me into having direct deposit, or they would penalize me {$6.00} a month. XXXX  I just want my money, I will be paying {$100.00} dollars overdraft fees, because of them.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
Complaint sub-issue: Other problem

-Card company closed my card XX/XX/2018. 
-Ive

made automatic payments since. -Im trying to p
ay off this debt via a loan company. 
-Credit card company wont give me my account number so that I can pay my balance. 
-Since account is cancelled I cant get a new card with account number. 
-Credit card statements dont have account number. 
-Online chat wont give it to me. 
-I called and they wont give it to me. 
-I escalated to a supervisor and they still refuse to give me my account number. 
-This account has been closed for almost 4 years ( their doing and nothing related to missed payments or exceeding balance ) so I dont have the card anymore and I dont have any monthly statements with the account number. 
-I need my account number to have this paid by the third party company and this credit card company is refusing to cooperate. 
-Ive been trying for weeks. And my deadline for this loan company is 9 days. 
-If I dont pay this its going to show as late payments and then go to collections. 
-Why am I not entitled to my own account number? Why are they refusing to give me information that will allow me to pay my bill? 
-They have given me zero options except to pay with a bank account online or over the phone which dont work for me.
Complaint sub-issue: Account status incorrect

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Complaint sub-issue: Debt is not mine

There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before
Complaint sub-issue: Information is missing that should be on the report

XX/XX/XXXX XXXX  deleted from Equifax & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF XXXX  CREDITCARD.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Hello, 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 injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.