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

XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.
Complaint sub-issue: Problem during payment process

I was behind one payment for a Discover credit card due to illness/accident. I spoke with several Account managers and in the course of conversation each disconnected the call. I finally reached a manager who stated there were several option which would be available to me. I chose an option which would decrease the interest rate to 09 %, pat {$38.00} per month. Late fees are suppressed and the credit card will REMAIN THE SAME.I accepted this program and was paying monthly to commence on XXXX XXXX, 2022. I have the information in writing. When starting the program, I was now informed that the credit card will be immediately " REVOKED ". This whole scenario was DECEPTIVE & FRAUDULENT!!!! This appears to obtain monies from me for future payments under false pretenses. I am a XXXX XXXX, XXXX. Discover Card reps. acted in a most deceitful manner which is a very unprofessional manner, and Discover Card Corp. should be punished as deemed by the U.S. Government.
Complaint sub-issue: Personal information incorrect

I have several issues with Equifax. Its bad enough you cant dispute things online. At least I cant. They make it nearly impossible on purpose. Theres more than a 50 point difference in my credit score. Equifax never seems to catch up with the others. Its bad enough they take such a long time to correct amounts on my credit report. Their so-called boost is ridiculous as my bank is not listed. Theyve known about the issue for a year and continue to blow smoke. They refused to change an address without me making copies and sending things to them in the mail which I do not feel comfortable with. No other agency including the Social Security administration and internal revenue has an issue but they do. Its bad enough they breached my information, and obviously cant be trusted, whats worse is they make it as hard as possible for me to log in to their site, and make me call to get anything done. I had to hold for one hour, only to be told they want copies of sensitive information to be mailed to them. So they can breach my data again?
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 are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 
XXXX XXXX XXXX XXXX : {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy.
Complaint sub-issue: Account terms

Balance of {$280.00} was reporting instead of {$0.00} balance. On XXXX XXXX, 2015 received a response from Equifax stating the balance was changed to {$0.00}. On XXXX XXXX, 2015 myfico alerted me of an XXXX point increase in my score from the corrected {$0.00} balance being reported. Not today, XXXX XXXX, 2015 myfico alerted me of an XXXX point Drop in my Equifax score due to my balance being reported as {$0.00} to now {$280.00}. My credit card company does not report until the last day of the month and this is n't a balance I have on my card right now. This is the balance that was changed from {$280.00} to {$0.00} by Equifax and then to {$0.00} back to {$280.00}. Equifax please stop playing with people 's credit especially during the mortgage process. This is intentional it appears.
Complaint sub-issue: Information belongs to someone else

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Complaint sub-issue: Information belongs to someone else

There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.
Complaint sub-issue: Information that should be on the report is missing

Hello, I have never lived in Massachusetts. How do I remove this completely that have my name afflicted with anything in Massachusetts? 


XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019.  Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!
Complaint sub-issue: Debt resulted from identity theft

I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Complaint sub-issue: Trouble getting, activating, or registering a card

This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. 

In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. 

I didn't receive the gift card that ordered from CNB until today.

From the gift card transitions records, it is obvious that both gift cards were not delivered to me.

Please CNB answer the following questions : Did CNB provide the shipping tracking number?

Can CNB provide the my signature for the package delivered?

Can CNB provide the evidence that I received the gift cards?

Did CNB provide the gift card full number to me?

Did CNB provide the protection for the gift card activate?

Can you report your gift card lost or stolen just using last 4 digits gift card numbers?

CNB has to be responsible for the gift card lost or stolen.
Complaint sub-issue: Company closed your account

My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX opened a collections showing XXXX XXXX as original creditor on XX/XX/XXXX in the amount of {$1800.00} and last reported on XX/XX/XXXX. So ( 4 years ago ). No longer showing up on my credit report. 

Now showing up on my credit report is a collections account through I C SYSTEM with opened on XX/XX/XXXX showing XXXX XXXX as original creditor in the amount of {$1800.00}. Which renewed the age of the collections account to 2 years and 11 months. 

It is my understanding that the time doesnt renew because another collections agency buys the collection.
Complaint sub-issue: Reporting company used your report improperly

I sent LexisNexis two invoices for {$1000.00} each for their violation of 15 U.S. Code 1681b Permissible Purpose of Consumer Reports. Back in XX/XX/2021after I disputed a bankruptcy on my LexisNexis report, LexisNexis sent me a response letter to inform me that they had removed the bankruptcy from my report in accordance with the FCRA 15 U.S. Code 1681b. LexisNexis admitted their violation of this Consumer Law, by furnishing XXXX and XXXX my Bankruptcy information for a profit. The Law mentioned above clearly states what a permissible purpose is and that the ConsumeXXXX shall have consented, orally, in writing, or electronically to the procurement of the report by that person, in which I did not consent to. 

XXXX and XXXX has also confirmed that they received my bankruptcy information from LexisNexis after I conducted a dispute with them both. When I called LexisNexis on XX/XX/21 they gave me the run around and indicated that they didn't see my invoices I sent them. I informed LexisNexis that I sent the invoices via priority mail and that I have a tracking number that proves they received it on XX/XX/2021.All documents are attached to this complaint that will be needed for proof. I informed LexisNexis that the FCRA states that for every violation of the FCRA it can range anywhere from {$100.00} to {$1000.00}, and by them illegally reporting my bankruptcy information to the credit bureaus, it has caused problems. I have attached to this complaint a letter from XXXX Credit Card XXXX, informing me that I was turned down for credit because of a bankruptcy being reported on my credit report. I need for LexisNexis to honor these invoices attached to this complaint since they claim they can't find them, I'm sending them to LexisNexis again, so please see the attachments LexisNexis.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.
Complaint sub-issue: Information belongs to someone else

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX in XXXX, MD, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just 1 credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for 3 years. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as 1 hard pull. Please help.
Complaint sub-issue: Account status incorrect

Per previous complaint XXXX. Which was resolved, with conditions of XXXX Completing tasks to finalize my servicing needs. XXXX XXXX has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. XXXX financial should have removed these items given XXXX XXXX was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, XXXX XXXX applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again XXXX XXXX violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting  have caused difficulties in obtaining new credit.
Complaint sub-issue: Account information incorrect

I received a letter rom XXXX XXXX  on XX/XX/2018 re my credit report from accompany I have never heard of called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WITH A PHONE AN website address stating my credit score was XXXX  which I was astonished because I had no idea your credit score could even be that low. plus information that is not correct such as too many inquiries and length of time since most recent delinquency too short I called the phone number and they told me I could order report from them ..but I had to provide my full drivers lis, social security and other information that I feel could compromise my credit safety. 
I feel because their information Is in accurate they caused me to not be able to get credit and improve my credit score but my credit score has  never been that low..ever
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 XXXX : Equifax credit reporting error XXXX account # XXXX On XX/XX/2021, I filed a dispute with Equifax for an inaccurate debt status on my credit report ( Confirmation # XXXX ). I provided them with a letter from the creditor XXXX XXXX XXXX, dated XX/XX/2021, that my account had been paid with no balance owed. ( See attached copy. ) Today, I received a response that they had confirmed the information was correct and left the account as a charge-off with an outstanding balance of {$21000.00}, which is factually incorrect and having a negative impact on my overall credit profile and score. 

Having received proof that an account was paid in full should be all that is required to update my account. Since they have not done that and do not seem to have a process to appeal their decision, I am forced to request outside assistance from the CFPB. 

To resolve this situation, my account needs to be updated to correctly show it has been paid in full and that there is a {$0.00} balance due. Shy of that, I am requesting the account be deleted from my credit profile and not allowed to be posted again. Clearly, Equifax has ignored factual proof that a debt was paid, and it has had a negative impact on a consumer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Complaint sub-issue: Information belongs to someone else

Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been contacting Equifax and XXXX for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.