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

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. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 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 21 times. 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 XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$14000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Complaint sub-issue: Reporting company used your report improperly

Dear Sir or Madam : I am a victim of identity theft due to an XXXX  credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries 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.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Account terms

XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is U.S Bank for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Complaint sub-issue: Information is missing that should be on the report

Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX
Complaint sub-issue: Banking errors

I don't show any cashback for my debit card purchase for {$38.00} on XX/XX/22.
Complaint sub-issue: Public record information inaccurate

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. 
also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation?

LexisNexis has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy.

Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federa
l grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did lexis Nexis have MY written instructions? Did lexis Nexis have Permissible purpose? NO, they did not. 

a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. 
before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. 
IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Complaint sub-issue: Reporting company used your report improperly

Equifax ( a company I never directly engaged with ) has obtained large amounts of my personal information and mishandled it by not implementing effective defensive cyber security tactics and left certain critical pieces of their public facing web infrastructure in a vulnerable state. 

These ineffective security practices have been exploited and have put me and over 100 million other people at risk of fraud and identify theft that can cause meaningful harm.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I find their offering of a single year of credit monitoring and protection to be ineffective, as the stolen data can be used at any time ( far longer than just for one year from when it was stolen ) and can be used in a damaging way against all affected people forever.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I purchase a refrigerator online from Home Depot. On XX/XX/XXXX around XXXX I received a call from Home Depot asking if I was making charges for {$4800.00} in XXXX XXXX, TX. I said no. He said he was close my account and decline the charges. He said I would be sent new cards. On XX/XX/XXXX I looked at my account online and saw that the account had not been closed. Fraud charge was still on. I called again. The customer rep. said she would close the account and remove charges. I asked her where the charges were made. She told me XXXX XXXX, TX. It was XXXX XXXX XXXX from XXXX, TX who made the charge. Today, I look at my account again. I was issued new cards which are in the mail, but that {$4800.00} charge is still on my account. I called again. Ended up talking to XXXX in the fraud dept. Nothing they can do for 60-90 days. No investigation was started till I called on Sat and now it takes 7-9 days before they start. I am applying for a mortgage and can not have this huge mistake on my credit report which could affect the outcome of a mortgage.
Complaint sub-issue: Information belongs to someone else

This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.
Complaint sub-issue: Problem during payment process

I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. 

My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. 

Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. 

One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. 

In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. 

Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. 

I have since terminated my account with Commerce Bank and advise others to avoid their products.
Complaint sub-issue: Their investigation did not fix an error on your report

I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me , she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.
Complaint sub-issue: Called before 8am or after 9pm

Call and text every day after XXXX and before XXXX I have asked them to stop repeatedly and they will not stop.
Complaint sub-issue: Can't temporarily delay making payments

I can not seem to lower my interest in payment.
Complaint sub-issue: Reporting company used your report improperly

I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is currently doing significant damage to my credit unlike the other two agencies. They are reportIng 3 separate accounts with 60 days past due when it is impossible. They should only be 30 days past due in the months that that are showing as 60 days. Theyve also NOT removed a collection account that both XXXX  and XXXX  have removed. 
The accounts that are being affected are : XXXX XXXX ( This account is CURRENT. It was only 30 days late this past XX/XX/XXXX as specified ) It was NEVER 60 days past due in the over 2 year history of the loan!!! 
XXXX XXXX XXXX ( XXXX ) This account is current!! It was 30 days NOT 60 days late in XXXX, XXXX & XXXX of last year. This account is CURRENT XXXX XXXX XXXX ( This account is CURRENT! It was 30 days late in XX/XX/XXXX NOT 60 days ) XXXX XXXX ( This needs to be removed!! ) It was correctly removed from XXXX   & XXXX WITHOUT problem.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CBNA has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Charged too much interest

I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX a thief opened up an account at Bank of the West. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX  cents. I called the collections agency XXXX XXXX XXXX. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling Bank of the west to dispute this. I called XXXX  to file a dispute charge on this. Please help me clear this.
Complaint sub-issue: Account status incorrect

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my last XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.
Complaint sub-issue: Company closed your account

On XX/XX/2018 my wife tried to verify information for a credit card application with USBank. During the phone call the USBank rep decided to decline the application because my wife and I had opened 3 other accounts over the past 2-3 months.

About 2 hours after the above conversation took place, we tried to use our USBank credit cards and found them to be invalid. USBank not only declined the application, they also closed the accounts of the three other cards.

In phone calls made today I find they now classify us as " a risk to the bank. '' If opening three cards with this bank makes us a risk to the bank, Why did they let us open 3 cards?

In closing the accounts, they have closed our access to bonus points we earned for air travel. I want access to the points and I want my annual fees refunded.
Complaint sub-issue: Other problem getting your report or credit score

After deleting and reinstalling the app on my cell phone, I have been unable to login. Their web help required me to login so I got no help. I called the phone number I found on the web for them and it goes to voice mail with no rerun call. The letter I wrote them on XX/XX/XXXX, attached, to the address I found in online search came back unable to forward marked XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I lost my job and I sent a notice to the company XXXX XXXX. In the notice I claim the additional exemptions TCA. 26-2-111 and 26-2-103. I claimed ( A ) unemployment. The letter was sent out XX/XX/XXXX. And I talked to this company Attorney over the phone. Their Attorney said he wasn't aware of this law and he would look into it. I never heard back from the company Attorney. XXXX XXXX stopped reporting to Equifax and other credit reporting agencies on this account.I thought that XXXX XXXX honored that law and exempted me from that debt but later in XXXX XXXX XXXX started reporting to the credit reporting agencies that I was sill under obligations and was still making payments when I wasn't. This is fraud. In XX/XX/XXXX I sent XXXX XXXX a validation letter of the debt and has not heard from them nor has they stopped reporting to the credit reporting agencies. They have now reported at least 12 months of none pay which dropped my credit score down to XXXX points. Please help me clear this issue. This is fraud and they are not backed through a federal bond. If they was they could have hired a debt collection agency.