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

This company is providing false consumer information about me to its subscribers. 

I have been trying to get them to remove this false information for years yet they refuse to and keep coming up with bogus excuses on why they can not remove it. 

I have provided them all of the documents they claim they need to " verify '' my identity but somehow its never enough. 

My family members, including my ex wife who I have not spoken to in 4 years, are being harassed because of the false information LexisNexis is providing. 

The email address XXXX needs to be removed from my profile today and any subscriber who received this info needs to be contacted and made aware this is not a valid email address for me. 

It was used by and ID thief years to attempt to open loans in my and my ex wife name. 

I have attached screen shots of the complaint I filed directly with them over a year ago which show I sent them copies of my passport, drivers license, birth certificate, and even my covid vaccine card. 

They have more than enough information from me to remove this false information. 

my complaint number with them is XXXX
Complaint sub-issue: Reporting company used your report improperly

While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is not doing an investigation that has anything to do with my complaint and they are denying me access to my credit report to the point where I can not even see my old dispute results. I answer everything correctly over and over again and then my access is blocked regardless! I reported the transaction that went unnoticed by me with XXXX as fraudulent and I initiated a fraud alert because the incriminating charges were not made by me and subsequently went unnoticed and when XXXX # XXXX reversed it all they forgot to reverse the revolving interest which threw my account to 30 day late from XX/XX/2014, which is fraud. it is NOT 30 days ; ate because it was A FRAUDULENT TRANSACTION! The same goes for the XXXX XXXX account # XXXX, it does not belong to me and was fraud! they can verify information until the world ends but these were FRAUDULENT and reported as such, so that makes it inaccurate and it makes EQUIFAX incompetent in their investigations and also incomplete! I have had no issues placing the fraud alerts and having these accounts removed with XXXX and XXXX, so why is Equifax giving me such problems!
Complaint sub-issue: Personal information incorrect

XXXX XXXX Equifax are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are the incorrect addresses that are being reported by XXXX on my credit report. As for Equifax, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with Equifax. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with XXXX XXXX Equifax have not been successful. My current and only address should show as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.
Complaint sub-issue: Information belongs to someone else

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened onXX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  Equifax Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Confusing or misleading advertising

On XX/XX/2021 I was notified via email ( Juno ) about an incentive to refinance student loans. I decided to get more information regarding the incentive and found that if I applied for a refinance loan with XXXX, I would be eligible to receive a {$500.00} reward if the following conditions were met : not current XXXX client, or received the bonus before, submit completed student loan refinancing application via link, provide valid email address and checking account number in the application, loan must be fully disbursed. I proceeded to click the external link and completed an application which was subsequently approved. I never received my reward. I contacted XXXX customer support. I was told refinance loans did not qualify for reward. I subsequently sent an image of the conditions of the reward offer from which i was referred. The rep then said he was mistaken and refinance loans do indeed qualify for the referral reward, but claims I did not click the link that would entitle me to such. I then sent images of my browser history that shows I arrived from the partner link, including time stamps. After speaking with another rep, who clearly stated that this has been frequently occurring issue with new loan applicant, I was told they have no record of my clicking the referral link despite my immutable evidence to contrary. XXXX representatives claim they have evidence my account is not associated with any referral link, but refuse to provide such evidence. XXXX is actively baiting prospective applicants with a reward they have no intention of providing.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I XXXX XXXX XXXX XXXX have filed numerous disputes with equifax regarding Acct. # XXXX, and XXXX regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX. and requested that any and all documents pertaining to their investigation and response from the lender be provided to me according to my rights. I advised them that I did not consent to XXXX or means of automated verification, due to the fact that the lender has documents that does not identify with my signature in the records and their inaccurate reportings about the date of last payment made. The creditors advised that they verified that the account reporting was correct, but did not provide me with documentation to support their findings as requested. The Bureaus advised that I would need to contact the creditor to resolve this matter. On XX/XX/2018, I submitted a certified letter to the lender ( XXXX XXXX XXXX, requesting all documents pertaining to my account, including those bearing my signature, and they provided me with documents showing late payment after a voluntary repossession. I am attaching documentation of the letter submitted to the bureaus and the lender for your review.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

remove XXXX XXXX XXXXXXXX fcra violations
Complaint sub-issue: Information belongs to someone else

I SENT ALL NESSASARY DOCUMENTS EXPERIAN REMOVED ALL THESS INACCURATE ITEMS OFF REPORT EQUIFAX AND XXXX  STILL SHOWING THESSE ITEMS
Complaint sub-issue: Reporting company used your report improperly

I've reached out to equifax and asked them to remove XXXX with account # XXXX, and XXXX XXXX XXXX  with account # XXXX that I did NOT give written permission for them to place on my equifax reports
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Problem getting your free annual credit report

Every since XX/XX/2019, I have been writing and sending my personal information to Equifax & XXXX XXXX to receive my free credit reports as date I javent received any of my credit reports.
Complaint sub-issue: Was not notified of investigation status or results

Regarding the Equifax credit breach of XXXX. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I Sent A Dispute To Equifax About Accounts Account Number : XXXX Account Number : XXXX Account Number : XXXX I never Received Any Response i Then Sent A Demand To Comply Letter On XX/XX/2022 I Never Received And Response And Then I Sent A 3rd Letter Letting Them Know They Broke The Law By Refusing To Investigate These " Alleged '' Accounts Equifax Also Faile To Update The Remarks On My Credit Report As " Disputed '' So This Means Equifax Did Not File Any Dispute On My Behalf Which Is A FCRA Violation Equifax Has Been Causing Me Mental Anguish By Refusing To Investigate These Alleged Accounts I Want Proof That These Accounts Are In Fact Mine Further More I Never Gave Equifax Written Instructions To Furnish Any Information About Me I Plan To Seek Litigation {$1000.00} Per Violation If They Do Not Make This Right And Remove These Accounts It Has Been Over 90 Days And I Have Not Recived Any Valid Proof Of These Accounts Meaning A Contract Bearing My Signature I Do Not Want Statements I Want My Name On A Contract WIth These Companys And I Do Not Want A E-Oscar Response I Want A Human To Respond
Complaint sub-issue: Their investigation did not fix an error on your report

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX and XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX. XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$11000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.