Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexis consumer center XXXX XXXX XXXX XXXX GA. XXXX Violating decisions requested by CFPB. After investigating XXXX removed records from my credit report however accepted reporting of those exact records from this Lexis Nexis company. It have NEVER been known to have posted reports furnished and provided from other companies. This Lexis Nexis has absolutely no legal rights to post ANYTHING on ANY of my three consumer reports at any agency. XXXX, XXXX nor XXXX XXXX. This company is violating my rights to fair reporting. If it has been determined for legitimate legal reasons to remove any information due to fraud, thief or any other unlawful unfair reason, no company has the right to disregard that reason. Under no circumstances. This Lexis Nexis company is absolutely not to be trusted by aggressively reporting information when it hasnt been requested and therefore I demand Lexis Nexis immediately remove and permanently delete the information they are furnishing and supplying to others. Lexis Nexis consumer center has illegally furnished this information for reasons other than obtaining credit. You have used the information for malicious reasons and will be presented to the courts along with all the other incriminating evidence and will be held liable for damages. 

Accessed my credit report without my permission! I did NOT request nor give permission for this company to access my report!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPEN ACCOUNT STATUS HARD INQUIRIES
Complaint sub-issue: Information belongs to someone else

Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation oXXXX XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX : {$820.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  UPGRADE in the amount of {$5500.00}. 

We immediately telephoned XXXX  UPGRADE to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX  UPGRADE had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX XXXX where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match XXXX data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX  Upgrade. 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX  Upgrade with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX  Upgrade 5 months ago and we provided every bit of documentation requested, XXXX  Upgrade went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX  Upgrades FRAUDULENT REPORTING of it to XXXX, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX  Upgrades NEGLIGENCE.
Complaint sub-issue: Information belongs to someone else

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX : {$12000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX bank i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them
Complaint sub-issue: Personal information incorrect

I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Personal information incorrect

My problem is they keep reporting me as living at a former address and now list my current address as the formal. So when ever I apply for credit or anything that tries to verify my address it comes up as a problem. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ... They have my previous as current on Equifax
Complaint sub-issue: Problem with rewards from credit card

I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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: Threatened or suggested your credit would be damaged

My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments. 

The debt collection agency refuses to also help may payment arrangements. 

Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping. 

IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.
Complaint sub-issue: Information belongs to someone else

I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Complaint sub-issue: Account information incorrect

XXXX XXXX  is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, XXXX XXXX  violates fair and accurate reporting of payment made to their bank. Additionally, XXXX XXXX changed the agree mid XXXX to state XXXX   payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.
Complaint sub-issue: Banking errors

I was trying to link my external bank account ( XXXX XXXX account - checking account ) with my Ally Bank account in my Ally online account. However, Ally system kept returning with error message indicating that my XXXX XXXX account ownership can not be verified. Normally it should initiate two trial deposits. However, Ally system didn't provide two trial deposits option at all. But instead, it simply declined my XXXX XXXX account and didn't let me link it. 

I called Ally Bank customer service but still this issue was not resolved yet. Ally customer service representative told me that they have reported this issue to the back office for a resolution. Meantime, they gave me a reference # for this case and the reference # is XXXX. 

I request Ally Bank back office to link my XXXX XXXX checking account with my Ally account immediately. Also I request Ally Bank representative to call me and let me know the resolution.
Complaint sub-issue: Information belongs to someone else

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 consent. These are the hard inquiries listed. Not enough room on report to list all inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Complaint sub-issue: Problem using a debit or ATM card

On XXXX, XXXX, on 4 different occasions, money was debited out my account and without my acknowledgment! Totaling close to {$800.00} and I made a dispute with Moneylion and was told to fill out paper and return. While o been sending them my paper every day and they are stating they cant read it, cant open it, etc for 3 weeks now. I sent it every way possible, now Im starting to believe they took my money! 
While my claim is active, I was still having money taken from my account, even with everything being locked. This is a huge issue, on their part, because theyre featured isnt working! I just want and need my money back ASAP!
Complaint sub-issue: Trouble with how payments are being handled

From XX/XX/XXXX to XX/XX/XXXX the Loan Servicer has not applied monthly over payments directly to principal. I notified the Loan Servicer multiple times. On one occasion, the Loan Servicer stated it would make the adjustment going forward. However, the Loan Servicer never did.
Complaint sub-issue: Public record

Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.
Complaint sub-issue: Account status incorrect

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt is still reporting. This is a debt that I paid off a very long time ago. When I paid this I was told this would be removed from my credit, however it's been years and nothing has been done apparently. Enhanced Recovery needs to remove this debt from my credit file. It is very old and no longer owed!
Complaint sub-issue: Information belongs to someone else

cra reporting inaccurate info XXXX XXXX XXXX XXXX XXXX XXXX inquires that i did not do
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I applied for a XXXX credit card that was " preapproved '' and was denied by XXXX, a company I 've never heard of. I was told my credit score was XXXX which is preposterous. The reasons given were ; # 1.Distance between prior  residences ( I 've lived in a 6 mile radius for the last 17 years with 3 moves ) # 2 Length  of residence too short ( It will be 8 years in XX/XX/XXXX I 've lived at my present address ) # 3 Inquiries did not adversely affect score (? ) # 4 Invalid or missing information ( Original application with XXXX was filled out completely and correctly ) # 5 Risk associated with address history ( again,? ) In reading reviews/comments about XXXX I see now why this is. I tried on several occasions to contact this company only to get no answer during business hours, or to have to leave a message to which I received no response. The last message I left was today at XXXX. I called at XXXX PST and the phone just rang untill I finally hung up. I also find it interesting how on previous complaints about this company they choose to not publish their response.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.