Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Public record information inaccurate

I have tried repeatedly to dispute a bankruptcy listed on my account that is not accurate. I was involved in the Equifax breach yet they insist on maintaining inaccurate information on my consumer report regarding addresses, inquiries and public records. When I inquired regarding where they are getting this inaccurate information from, they REFUSE to provide the information so that I can go to the mysterious company reporting on me according to Equifax. This company has been the source of detrimental breaches, inaccurate information and ineffective credit monitoring. I have contacted the court listed for assistance and they continue to explain to me that the information is NOT coming from them. Equifax has also been involved in litigation regarding this very issue and yet the unlawful practices continue.
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE
Complaint sub-issue: Other problem getting your report or credit score

The derogatory credit shows on my credit file, and I would like for it to be removed.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file if the information is outdated/ incorrect under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to accurate information from all three credit bureaus and I am aware that I have items missing from some bureaus that are, in fact, on others. Please send me proof proof of my debts from all bureaus or remove this account from my credit report for inaccuracy. I request that all future correspondence be done through email.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a new checking account with US Bank in XXXX of 2022. I have been an existing checking account holder for 15 years. I received a promotional email to open a new checking account, set up direct deposit and receive a certain amount back {$200.00} or {$400.00} depending on the amount of direct deposits within the 90 days. I called to verify before opening the account that was eligible since I already had a checking account. I opened the account. Met all requirements. I called XX/XX/XXXX to verify. Spoke with 2 different agents and was told I met all requirements and the promotional cash back should be in my account within 3 to 5 business days. I opened a chat this morning and was told I was not eligible because I already had an account open. I asked why I received the promotional email in the first place. No answer. I explained that I had verified before opening the account. No response. The agent I spoke with had no recourse on anything that I could do. This is unacceptable and I believe they wanted another open account to charge monthly fees. The misinformation is also not acceptable because I should be able to trust what any representative tells me, especially for the institution that handles all of my income.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXX  festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the amanzes have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an PPO saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE PPO HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE  WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR XXXX.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I have rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of 2022 XXXX  illegally repossessed a vehicle I had with them. Mechanics bank then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 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 XXXX PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

I found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. Equifax and XXXX claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX investigated and removed XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX collection accounts that did not belong to me. I even sent proof to XXXX  and Equifax that the accounts were properly investigated and deleted by transunion. Furthermore, I sent letters to Equifax and XXXX on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )
Complaint sub-issue: Account status incorrect

There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.
Complaint sub-issue: Debt is not yours

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter ( attached ) from LexisNexis on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to XXXX and others. 

In a phone conversation with LexisNexis on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with LexisNexis regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that LexisNexis has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! LexisNexis and XXXX are hindering my ability to get reasonable rates based on their LIES and Bogus reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against LexisNexis & XXXX  for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.
Complaint sub-issue: Banking errors

I opened a Savings account and Checking account with Citibank for their promotion of {$700.00} bonus per their terms in XX/XX/XXXX. 
Citibank 's XX/XX/XXXX letter ( XXXX ) acknowledged the {$700.00} bonus. 
But Citibank is making the excuse of my accounts was closed on XX/XX/XXXX. 
My accounts were set up by XX/XX/XXXX. 60 days term + 90 days to receive bonus would be XX/XX/XXXX. But till now Citibank has not paid the {$700.00} bonus.
Complaint sub-issue: Reporting company used your report improperly

I am writing to dispute the following XXXX accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Complaint sub-issue: Card opened as result of identity theft or fraud

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile
Complaint sub-issue: Information is incorrect

Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.
Complaint sub-issue: Charged too much interest

Citibank credit card MasterCard charge d me penalty interest rate for the period  XXXX    XXXX   to present. This was apparently because the minimum payment was late. The interest penalty rate was 30.00 %. Additionally late fee was charged. This penalty rate continued indefinitely despite all payments since   XXXX    XXXX  being on time. There was no intimations or notice of account being charged penalty rate.
Complaint sub-issue: Account information incorrect

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the XXXX Credit Bureaus as `` PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a part from XXXX XXXX  being XXXX heating element for {$58.00}, but I tried to cancel it the same day I ordered it. The item was then refused on XX/XX/XXXX because the package appeared damaged, and I never opened it. It was returned to the seller on XX/XX/XXXX, but I never received a refund so I filed a dispute with XXXX credit card. XXXX proves it by the tracking number. After sending all the information about it to the credit card Cardmember service they sent me their standardized XXXX form which I returned back to them. I then received notice that my dispute was denied. After many phone calls to the dispute department telling me the issue was resolved because they wanted the date, I cancelled the order which I provided. I faxed them a copy of my email to XXXX XXXX on XX/XX/XXXX. Next, I received another letter from them again telling me they want proof I cancelled the order. This is some type of violation of the law since XXXX told me one does not even have to give a reason to cancel a shipment. I then faxed them a copy of the email I sent to XXXX XXXX on my invoice stating I wanted to cancel this order on XX/XX/XXXX. I then received another notice saying that since I did not provide them proof, I will be charged again. I then sent a fax again with the information not knowing what they wanted on XX/XX/XXXX. I then received another letter telling me that the email to XXXX XXXX is not proof? They also XXXX and libeled me saying they are going send my information to the credit reporting agencies if I do not pay my bill? I have an excellent credit history which makes no sense. At this point I needed outside help to resolve this issue with the credit card company being in error about this dispute. The item was returned to the business, not returned back to me, and they did not credit me back. I am due a credit since the company can not have both the part back and my money.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.
Complaint sub-issue: Information belongs to someone else

I submitted paperwork for Equifax to investigate some unfamiliar accounts on my credit report and they have failed to do so and/or notify me. The other bureaus have removed these accounts.