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

Unfortunately, these late payments are inaccurate and incorrect!!!!! 

XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXXDOFED XXXX Balance Owed : {$4000.00} XXXX. XXXXDOFED XXXX* Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I submitted a complaint to the CFPB about incorrect information that was reported on my credit report via Equifax Information Services LLC. I attached a Identity Theft report because my name is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I have attached my driver 's license and utility bill that clearly states my name as XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. Under the law, when credit reporting companies prepare credit reports, they are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. This information is continued to be reported inaccurately.
Complaint sub-issue: Trouble using the card to spend money in a store or online

The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Complaint sub-issue: Reporting company used your report improperly

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

THE CHARGE OF {$500.00} DATED XX/XX/XXXX FROM XXXX XXXX/XXXX   DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT DONE SO. THE CREDITOR KEEPS SELLING THE DEBT TO A DIFFERENT DEBT COMPANY TO REMAIN ON MY CREDIT REPORT. THIS IS A ISSUE I HAVE BEEN GOING THRU FOR THE PAST FEW YEARS AND CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS SELLING IT OFF TO APPEAR AS IF IT IS A RECENT DEBT. 
MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED THE AGENT WAS RUDE AND ENDED THE CALL ABRUPTLY ONCE SHE INDICATED IT WILL BE REMOVED AND THERE WAS NO NEED FOR ME TO KEEP CALLING XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX .
Complaint sub-issue: Information is missing that should be on the report

My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it
Complaint sub-issue: Company closed your account

This account is almost 6 years old and was closed by the company a long time ago. Due to the length of time this account has been open this account should no longer be affecting my credit & my ability to move forward with the things I need in life.
Complaint sub-issue: Information is not mine

I ca n't see what to dispute but i do know someone had access to my social security numberaddress etc.and pulled my credit for loansalso there are names I 've never been associated withplus there are address i have never lived atalso there are bills i have n't charged and do not owe. 
i am unable to access my credit report someone else already has. Even though I had a fraud alert on my creditI am unable to access my social security number to change it because I have a electronic block on it. 
The credit report has not began a investigation as of yet. I have no past or present credit reports.
Complaint sub-issue: Information belongs to someone else

I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?
Complaint sub-issue: Problem making or receiving payments

I am very disappointed with PNC Bank not allowing any square up transactions to be deposited nor any other transactions at all. I was never informed why any restrictions has been placed on my account without my knowledge.please help find out what is the problems with my checking account.
Complaint sub-issue: Was not notified of investigation status or results

I contacted Equifax XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move.

After Equifax received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Equifax responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life.

They made no effort to contact me within the 4 business days required and its preventing me from moving into an apartment home. 

Ive attached Equifaxs responses and have the full transcripts via the XXXX XXXX XXXX XXXX XXXX XXXX. The complaint was closed without resolution.
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Complaint sub-issue: Can't use card to make purchases

I provided my XXXX XXXX information to pay for a cruise on XXXX XXXX XXXX ( " NCL '' ) My XXXX statement had an XXXX/XXXX/XXXX transaction date and a XXXX/XXXX/XXXX post date in the amounts of {$2600.00} and {$140.00}. I paid XXXX 's bill in full. Today ( XXXX/XXXX/XXXX ), XXXX week before the cruise, I XXXX told me that they never received that money from XXXX, XXXX insisted that I give them another credit card and pay the amount again or they would cancel my reservation. XXXX insists that they paid XXXX and XXXX insists that they did not get paid. I have now paid for that trip twice. That is XXXX times almost {$3000.00}. I spoke to XXXX ( XXXX XXXX ) at XXXX. XXXX was not interested in the fact that I had already paid the full amount to XXXX because they claim XXXX did not pay them. I spoke to a supervisor at XXXX named XXXX XXXX XXXX spelling may be wrong ) at XXXX in South Dakota. XXXX is a big bank for a long time that knows how to trace funds. These are two huge companies and they are leaving me out to dry, each blaming the other. How can this happen? Thank you for your attention.
Complaint sub-issue: Information belongs to someone else

I have an issue with my credit report with XXXX. XXXX report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so XXXX put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, Equifax removed XXXX points from my credit score. The apparent resons were 1 - Inquiry removed 2 - Balance decreased 3 -Payment history changed
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX - I filed a fraudulent dispute when several transactions posted on to my account from XXXX XXXX 

I called between XXXX XXXX about the status of the claim and was told I would get credit that Friday from those transactions. 

I called again XX/XX/XXXX, and was told it was still pending ... 

I have not received any documentation from US Bank regarding my claim - and it has been over 45 days and my account is still negative. 

I was told credits are posted in 10 days from the time claims are filed.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my instructions.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from us bank failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX and also us bank is off my XXXX and XXXX  XXXX failing to take it off XXXX and XXXX after disputing from the other credit companies that I have screenshots of the companies credit report deletion
Complaint sub-issue: Information is not mine

I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
Complaint sub-issue: Account information incorrect

Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.
Complaint sub-issue: Can't close your account

On Friday,  XXXX   XXXX , I went in to the  XXXX  downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00}  ) for about 1-2 days. I paid the banker the balance to brin g the account to  XXXX . I paid in cash and asked him to close the account after it was brought to   XXXX  . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day.     On Monday,  XXXX   XXXX , I emailed  XXXX  asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously.     I was charged {$35.00} for the overdraft and paid all charges on the account, today,  XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched.     I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had.     My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # # # # # # # # # # # # # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX and Equifax are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by XXXX XXXX while XXXX and Equifax report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by XXXX XXXX and XXXX as XX/XX/XXXX while Equifax is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by Equifax and XXXX reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.
Complaint sub-issue: Was not notified of investigation status or results

I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail.

Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). 

On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. 

On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. 
XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. 

XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. 

XXXX also failed to respond to the email that she sent directly to me. 

LexisNexis is now in default as they have failed to respond to the notarized Affidavit. 
LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. 

I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. 

LexisNexis was also given a direct phone number to contact me. 

As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, I made a payment on my Discover credit card due date, and two payments were pulled from my checking account, in the amount of $XXXX each, totalling $XXXX. I called Discover on XX/XX/XXXX, and the customer service representative said that I would receive a check within 7-10 business days. On XX/XX/XXXX, I still did not receive the check, so I messaged Discover on the app, and the person wrote back stating that I should receive the check within the 7-10 day range. On XX/XX/XXXX, I messaged again because I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover cannot issue a refund because I don't have enough available credit. The extra payment was taken on their error, and my payment was never late.