Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, Lexis Nexis has lied about the verification and I have recently discovered that there is unauthorized information in my name being used on credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed these inquires over 1 month ago. I did not authorize the following transactions *XXXX  inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX *FACTUAL DATA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX *FACTUAL DATA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I noticed that they remained on my report after the issue was disputed. 
the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates. 

ALSO, THEY HAVE A Account number XXXX WITH NO ORIGINAL CREDITOR NAME, NUMBER OR ADDRESS LISTED. THIS WAS PREVIOUSLY REMOVED FROM MY XXXX ACCOUNT AND I WANT THIS ERRONEOUS UNVERIFIED ACCOUNT REMOVED FROM MY CONSUMER REPORT.
Complaint sub-issue: Account information incorrect

I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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: 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 a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : 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 the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.
Complaint sub-issue: Other problem getting your report or credit score

Findings for the investigation for the complaint filed on XX/XX/XXXX and completed XX/XX/XXXX? XXXX ( Confirmation number : XXXX ) continues to be non-disclosed. This is a continuous and unfair practice I have dealt with for 2 years. When creditors and Equifax report EVERYTHING on my account that negatively impacts my score, there is not a link to click on for my viewing. Please assist. Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and no results. 

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX 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 EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Received bad information about my loan

When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.
Complaint sub-issue: Account information incorrect

This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about  accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.
Complaint sub-issue: Account status incorrect

Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
Complaint sub-issue: Used obscene, profane, or other abusive language

I spoke to the original company. Their workers made an agreement to keep the TV and other appliances in the apartment and agreed to remove everything else. They obviously didnt do it. I just explained the situation to the creditor and I also explained that I was in the process of purchasing a house and the creditor basically threatened my with the good luck trying to buy the house.
Complaint sub-issue: Their investigation did not fix an error on your report

Original loan was with XXXX XXXX. A few months into payments I was sent an offer by XXXX XXXX to skip a payment and add it to the end of the loan. I signed the documentation sent via mail and sent it back. All was well until Key Bank assumed loan. During that transition, Key Bank informed me that my loan was 30 days behind. I explained to them that under the offer and terms I agreed to with XXXX  XXXX, I was on time and I accepted the skip a payment offer. Key Bank could not verify this as they could not access their system. I called numerous times over a 3 month period and spoke with several folks at Key Bank. They could not figure it out and they took weeks to investigate all the while they were reporting me as being 30 days late for months. I explained to them that as an example there have been 18 payments due since loan origination and I have made 18 payments. They could not figure it out and they continued to tell me they had no access to XXXX XXXX computer systems to verify. How can this be if they assumed the loan? Key Bank tried to fix the issue by applying the skip a payment to the end of my loan however they continued to negatively report to the three bureaus and never reversed the 30 day late payments. I also made additional payments but problem has not gone away.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been harassed and abused by the XXXX debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. XXXX illegally obtained my personal information without my written consent, because I never did business with XXXX, and they have failed to provide me a contract between XXXX  and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and XXXX  is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force XXXX  to remedy this situation with proper consideration that does not break federal laws.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 resent request to remove XXXX account information that had not been verified/investigated per FRCA. Original creditors ( XXXX XXXX ) admit to not having information regarding account in question.
Complaint sub-issue: Account status incorrect

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Complaint sub-issue: Problem with rewards from credit card

Upgrade promotes this credit card which is actually a loan, not a credit card, that you take out with them and any future transactions on the product are called draws, including the original draw made on the issued card. They claim you will earn 1.5 % in XXXX with every monthly payment made to the account. I have attached screenshots from 2 well known financial websites promoting this program with the language used to describe the offer. Consumers are led to believe that any transaction or draw on the account is earning the 1.5 % with every monthly payment. I spoke with a customer service rep on XX/XX/2022 and she began using different terminology to defend why her company is not issuing the 1.5 %. They start using the terms transactions instead of draws to describe the use of this loan product and will claim that the initial draws that they offer you are not included in the cash back program.
Complaint sub-issue: Information belongs to someone else

This letter is a statement of dissatisfaction concerning customer service at LexisNexis and the other 3 credit bureaus. After recently finding out I was a victim of identity theft I tried calling only to get a voicemail and no return call. I needed to submit all of the documents proving this was not me in order to remove the fraudulent information from my record. This all happened because someone maxed out credit cards that I rarely used, and then filed bankruptcy so I wouldnt get calls from the creditors. At this point I dont know what to do since this has massively affected my life.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Complaint sub-issue: Information belongs to someone else

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

See attatched Equifax Report XXXX Account XXXX reported by XXXX as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See XXXX Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND EQUIFAX DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.
Complaint sub-issue: Threatened to sue you for very old debt

XX/XX/XXXX I was notified by CIG Financial that they were going to sue me in 90 days if I did not contact them and work out a repayment plan to resolve a vehicle loan that went into Repo Status XX/XX/XXXX. 
I responded and XX/XX/XXXX worked out a repayment plan with XXXX XXXX for XXXX per month and ultimately pay off the remainder amount with the agreement CIG Financial would revise my account to the Credit Reporting Agencies that the account was paid in full on time and remove the charge off/ repo status. 
I have made every payment for an entire year and have called several times to discuss the pay off amount. I have this agreement in writing from CIG Financial. 
My last conversation with GIG was XX/XX/XXXX in regards to setting up the settlement pay off and dates. I thought all was moving in a positive direction. 
Im in the process of applying for a mortgage and it was noted on my XXXX   report that I have a 60 day late payment on my CIG Financial account XX/XX/XXXX and several negative payments noted for XXXX, XXXX, & XX/XX/XXXX. This is shocking and has severely impacted my Fico Score. 
Im feeling betrayed as I have never been 30 days much less 60 days late. Had I ever been it is written into my agreement that the agreement would not be honored. Im working very hard to resolve this. 
The amount reported to XXXX is not the amount they are demanding I pay. This company repossessed my vehicle for being 14 days late but up until that point I had a good payment history with them and the vehicle was close to being paid off. Now here I am again so close to resolving this account and I feel they are trying to pull the rug out from underneath me. 
How am I to trust them once I pay them close to {$6000.00} that they will honor the agreement? 

I feel this is bait and switch.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.