Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

In regards to my credit report and scores I have been unable to receive or view my information. I have contacted Equifax more than 6 times over the course of 2 years with letters and phone calls to the Equifax. Equifax has caused me to be unable to get jobs, a car, loans, and housing due to this issue. Equifax has not provided me any help or explanation to why i cant see or receive my report and score.
Complaint sub-issue: Received bad information about your loan

I applied for and was rejected for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF  ) Program. However, I have documentation from the USDOE stating that I am eligible for the program and meet all of the criteria. When talking with agents at the call center about my situation I am told a number of many things as to why this may have happened but even with providing more documentation and ensuring that the information I am submitting is accurate I am not getting any new answers. The information given to me is often erroneous and have pointed this out to agents nearly every time I call. My case has been " escalated '' by FedLoan Servicing yet even that agent is unable to provide accurate information and seems to be confused about my case and what exactly is the issue. I am interested in finding out my options, as it relates to the abysmal implementation of the TEPSLF program. I have all of the proper documentation that shows I am qualified for the program and quite frankly a " textbook '' case of the borrower the spirit of the program is suppose to help. I have received tons of misinformation from FedLoan about the process that has created unfavorable results for me and many other borrowers. I am wondering if there is a viable option for a resolution I may not be aware of. Thank you in advance and I am more than willing to share more details and any additional information that would be helpful.
Complaint sub-issue: Was not notified of investigation status or results

I'm completely stressed out from false information that continues to be reported to my credit report by Equifax, XXXX, and XXXX! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!
Complaint sub-issue: Investigation took more than 30 days

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES BECAUSE OF INACCURATE ACCOUNTS ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Complaint sub-issue: Used obscene/profane/abusive language

Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Complaint sub-issue: Account status incorrect

XXXX incorrectly reported a 30-days late payment on a credit card balance of about {$10.00} in XX/XX/XXXX. XXXX recorded this incorrect information and I discovered this some months later and disputed it. XXXX told me I had to pay {$4.00} a month for credit monitoring in order to get any information corrected, then go to XXXX to resolve the issue. I opened a dispute with XXXX and they found in my favor in a letter dated XX/XX/XXXX. XXXX then reported this to Experian, and I also sent the letter from XXXX finding in my favor to XXXX XXXX then closed the dispute with the incorrect information still in there and continues to bill for their " credit protection '' with a strong implication that more severe negative mistakes will show up on my credit report if I do not. This has already likely cost me a higher interest rate on a mortgage refinance. Equifax corrected the bad information already without even asking for payment. XXXX is still working on it but hasn't ever asked for payment in exchange for accurate reporting.
Complaint sub-issue: Was not notified of investigation status or results

After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I sent Equifax my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I think you in advance for your assistance.
Complaint sub-issue: Old information reappears or never goes away

For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, EQUIFAX, XXXX, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, EQUIFAX, XXXX, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and EQUIFAX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.
Complaint sub-issue: Problem getting your free annual credit report

I am trying to request my annual free credit report from the telephone number provided for Equifax and am finding it impossible. The options provided do not allow me to request a written copy of my credit report that I am entitled to. They want me to sign up online for some Equifax membership that I do not want. It is designed to flout consumer intent and is manifestly bad business. I am glad they got sued and hope they do in the future. Perhaps they will be forced to operate more transparently or even go bankrupt. We can hope and wish.
Complaint sub-issue: Information is not mine

This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Just find this morning XXXX XXXX inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by XXXX points, please removed this inquiry and I notice more inquiries that are not mine XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX, I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX  and also XXXX
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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: Personal information incorrect

These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately XXXX XXXX XXXX -- XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, Equifax and XXXX  that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Complaint sub-issue: Didn't receive enough information to verify debt

I have two accounts with this company on my credit report. One is for XXXX and the other is for XXXX XXXX XXXX. They are refusing to provide validation of debt ( last bill provided by original creditor ), I JUST NEED VALIDATION OF DEBT FOR BOTH ACCOUNTS PLEASE. Please do not contact me, only via CFPB or mail
Complaint sub-issue: Account status incorrect

It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX
Complaint sub-issue: Information is not mine

The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )
Complaint sub-issue: Their investigation did not fix an error on your report

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 the information is inaccurate
Complaint sub-issue: Public record information inaccurate

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Reporting company used your report improperly

Equifax held on to information crucial for its customers in order to perform insider trading before the release.
Complaint sub-issue: Account information incorrect

In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX account and the dispute resolution, and two printouts from bank statements showing the payments.
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Complaint sub-issue: Account status incorrect

I settled a charged off account with XXXX XXXX XXXX credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want XXXX XXXX XXXX to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I, have sent a notice of dispute on the validity of alleged debt to Equifax. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. My current credit report is proof that Equifax is still presently reporting incorrect information during this dispute process. This is a direct violation of 15 U.S.Code 1692g ( b ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Complaint sub-issue: Information belongs to someone else

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} XXXX ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX XXXX   {$21000.00}
Complaint sub-issue: Account status

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX XXXX XXXX. After numerous late payments by her, the vehicle was sold and XXXX paid her the proceeds in excess of her loan balance. Again, I made NONE of the late payments nor was their any " repossession '' from me nor did I participate in any profits from the sale. Despite my repeated requests, EQUIFAX refuses to delete this account or the late payments/repossession status from my file.