Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent a certified validation letter to Lexis Nexis asking them to validate a bankruptcy listing. They responded with a full report under my name that had a bankruptcy listing with inaccurate information. I also sent in the certified mail proof from the alleged bankruptcy court that they do not validate and or communicate directly with any third parties. It appears Lexis Nexis ignored that information. If you look at the attachment which is a copy of what they sent me in regards to the bankruptcy listing they DO NOT have a File Date just some random number which is repeated under the LAST DATE SEEN. They also do not have a DISPOSED/DISCHARGED DATE which would be needed if they were going to send this information to the bureaus and report anything that could potentially negatively impact a consumer financial well being. The information that they have does not match what the bureaus are reporting so how is that the bureaus got their information from Lexis Nexis? To add to this, Lexis Nexis HAS THE BANKRUPTCY LISTED TWICE! This is absolutely ERRONEOUS AND UNFAIR CREDIT REPORTING! They have given my information or to Equifax while their is a SECURITY FREEZE ON MY ACCOUNT because I have been so afraid of a family member putting things in my name. I have so much proof on Lexis Nexis. Please see the attachments. This must be removed IMMEDIATELY!
Complaint sub-issue: Information is not mine

Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the collection agency XXXX XXXX directly, as well as, Equifax, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Complaint sub-issue: Debt is not mine

The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a {$1000.00} for subrogation of an insurance claim from an auto incident that occurred in XX/XX/XXXX in XXXX XXXX. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and XXXX XXXX covered the damage to my car ). neither the police nor any court made a determination of liability but Afni insisted that XXXX ( the other persons insurance company ) determined I was liable. They do not respond to my written explanations and after researching them, I have learned that they have often destroyed people 's credit ratings based on circumstances such as these. On the phone, they repeatedly state I am liable but I am unclear on how legally a company is able to unilaterally ascertain liability and hire a credit agency to harass a person.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

Good afternoon, I have an AAdvantage credit card, a MasterCard, with Citi Cards. 
I was recently given an increase to {$11000.00} as my credit limit. My previous limit was {$7500.00}. An increase of my credit limit by {$3500.00}. 
On my last statement, I was charged a {$40.00} late fee. I have contacted the customer service line at Citi ( XXXX XXXX XXXX XXXX ) to contest this fee. Citi will not take the charge off despite being a good customer and having been given an increase in my credit limit. 
In XXXX, I made the XXXX payment - my minimum obligation to Citi - of {$220.00}. My check was dated XXXX and was received by Citi and credited to my account on XX/XX/XXXX. ( I live in XXXX and mail delivery is fast here. ) I made another payment to Citi on XX/XX/XXXX at the Citi banking machine ; it was received the same day, XX/XX/XXXX for {$220.00}. This extra XXXX payment was intended for XXXX - made early - because of my concerns about Covid 19 pandemic and getting my XXXX payment in. 
I was told that the second payment in XXXX was credited back to XXXX ; they could not credit that payment of {$220.00} for XXXX. 
I am still employed and working. That said, I made a payment on XX/XX/XXXX for {$220.00}. I mailed the payment on XX/XX/XXXX. Citi claims they received the payment on XX/XX/XXXX and sent an email thanking me for that payment. They also charged me the {$40.00} late fee. 
I think that {$40.00} is a lot for a late fee given that I had made a XXXX payment for XXXX. Also, even if Citi can't credit a XXXX payment to XXXX ( especially in these times ) then my XX/XX/XXXX payment should be credited on time. 
I do not understand why my payments to Citi have always been credited quickly and now it's taken Citi almost 15 days to credit my payment to my account. 
I explained to the Citi customer representative that I have been making payments ( 3 payments to Citi in XXXX and XXXX ) but that because Citi is working with a smaller crew, my payment was credited late. 
I sent my payment in ample time but believe that in-house delays at Citi ( smaller staff, working from home, etc. ) has caused the delay. This is not my fault that they credited the payment late. 
I would like my account to be credited the {$40.00} late fee because the delay was not my fault. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AFTER REVIEWING MY CREDIT REPORT THERE ARE ACCOUNTS AND INQUIRES THAT I DO NOT RECONIZE.
Complaint sub-issue: Transaction was not authorized

Money was taken from my checking account as a preauthorized debit in the amount of XXXX on XX/XX/2022. Money was paid XXXX Services. I did not authorize this transaction. I contacted XXXX XXXX first. XXXX states no payment was made on account in my name for that amount or any amount even close to that. They state I have never even had that high of a balance. The last payment from me on an account owned by me was in the amount of {$15.00} on XX/XX/XXXX. I filed a fraud claim with PNC after speaking with XXXX customer service. I was told by PNC representative that my money would be refunded and in my account by XXXX XXXX. When that day came and went with no refund, I called PNC again. On XX/XX/XXXX, I spoke with XXXX XXXX at XXXX. She said she would look into the matter and call back within two days. I did not hear back from XXXX so I made numerous calls in an attempt to reach her only getting voicemail. XXXX returned my call this morning. I was told fraud claim denied because I have a XXXX account and to take it up with XXXX. Called XXXXXXXX again. There is no such payment on an account i my name. XXXX restated that PNC is responsible for refunding the money
Complaint sub-issue: Information belongs to someone else

Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]
Complaint sub-issue: Didn't receive enough information to verify debt

This company did not supply me with the required 30 day dunning letter. I didnt know they were trying to get any money from me. I received no calls or anything in the mail. 

This was reported to the bureaus illegally. 
This is a violation
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is XXXX XXXX true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date XXXX
Complaint sub-issue: Problem getting my free annual report

I applied for my free credit report on XX/XX/2016 but never received it from Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXXXXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
Complaint sub-issue: Account status incorrect

I made two payments to XXXX XXXX/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to Equifax as open and delinquent. This same account is properly reported to XXXX  and XXXX as paid in full and closed, but for some reason they are refusing to report that information to Equifax.
Complaint sub-issue: Talked to a third party about my debt

I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.
Complaint sub-issue: Information belongs to someone else

There are two loans that are on my credit report that do not belong to me I have been writing to XXXX Equifax And XXXX since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Public record information inaccurate

Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. It was previously removed because it could not be verified per FCRA. It is now back in full violation of the FCRA ... 

PUBLIC FILINGS XXXX-XX/XX/16 BK IND. CH-XXXX DISCHG inaccurate
Complaint sub-issue: Application denied

I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number XXXX
Complaint sub-issue: Problem getting your free annual credit report

Equifax has been reported five times. I stated I would get an attorney HE is on standby. 

Couple of issues. My free credit report since your refusing to allow me to download it from the site because your scared it will be forwarded I am asking for it to be mailed. 

In addition XXXX XXXX should have been removed. Seven years is XXXX of 2022. 

Your reporting a score of XXXX. I suggest once again all the accounts that are aged out and over 10 years ago or more be removed. If I have to take legal action against your company I will. 
Mail my credit report out. 
Explain why the credit score is XXXX. 
And remove all accounts that are aged out including XXXX XXXX. 
You disabled the dispute button on my account so each time I need to dispute an issue it will be made public until you understand your role. 
Your role is to provide accurate information.Because of your inaccurate information your organization stopped me from applying for a {$10000.00} loan with the federal government. XXXX XXXX should have been removed yet it was not. I am a consumer as one attorney already said " The law is on my side ''. Continue the games Equifax. We will see who wins. I appealed the federal government decision and since they used XXXX and XXXX during the appeal I won my case and got the loan. So the federal government other agencies are now being made aware of your failure to follow the law.
Complaint sub-issue: Inadequate help over the phone

As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.
Complaint sub-issue: Account status incorrect

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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: Information belongs to someone else

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Reporting company used your report improperly

I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed immediately.
Complaint sub-issue: Delay in processing application

On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX 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 that also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Debt was result of identity theft

The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX  Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX  Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. 

I haven't had any contact with XXXX since the XXXX  Data Breach.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Complaint sub-issue: Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Used obscene/profane/abusive language

The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.