Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted XXXX XXXX regarding a dispute I submitted to XXXX related to late payments on my credit report. As well I inquired about my credit reduction in XXXX. The XXXX XXXX representative could not find any logical reason why my credit was reduced in XXXX from {$1200.00} to {$400.00}. I was told that XXXX XXXX no longer had a file of my payment history. I was informed that the payment history was provided to XXXX When I submitted the dispute with XXXX I am informed that they would need to contact the creditor. At this point, I feel as a consumer I am being mislead about who maintain my payment history. 

In XXXX The Home Depot adversely effected my credit. My credit score decease to XXXX from XXXX. It has been a long road to build my credit back to credit worthiness. Three of my credit cards were closed and two reduced because THD, in my opinion, reported I was severely negligence on my payment of {$120.00}. As I reported in dispute in XXXX my line of credit with The Home Depot was {$3000.00} ; however, I paid my balance of {$120.00} after my credit line reduce to {$500.00}. Then I instructed them to close the account because I did not see myself as a valued customer. Then, I received closure letter from other accounts that I was in very good standing and the account had no outstanding balances. 

To this day, I still believe The Home Depot reported my credit worthiness as poor. Again, none of the creditors were able to logically inform me why they reduced or closed my accounts. As a struggling working American I only have my name and integrity to repay in good faith my credit. I feel as if I am " getting the round around. ''
Complaint sub-issue: Their investigation did not fix an error on your report

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.
Complaint sub-issue: Problem with statement of dispute

Nothing in my complaint was addressed by Equifax, Merchants, and XXXX Merchants and XXXX must give me copies of the contracts between Merchants and XXXX, and between XXXX and XXXX. I do not take their word that they own the contracts. They must show proof by giving me a copy of the contracts. XXXX I totally disagree with any and all amounts shown. They must provide me with the contract between XXXX XXXX and XXXX Insurance, and the contract between XXXX and XXXX for each and every item on my credit report. I do not take the word of XXXX XXXX and XXXX for the contract amounts. I have NOT been given any legal proof that I owe these companies and these amounts. Any company can make up any dollar figure they want. This issue has not been addressed at all. This appears to be a complete farce on behalf of these companies, and Equifax requires no legal proof to add whatever the companies tell them to add, which is also a complete farce. Thank you for your assistance with this matter. 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on my credit
Complaint sub-issue: Information belongs to someone else

I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.
Complaint sub-issue: Account information incorrect

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, Equifax or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act Money Lion Account # LL-I 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I am still without refund for the taxes paid on the phone for a mere {$63.00}, which I have initiated a dispute on my Visa card for that account charged on the basis that you charged me for something that I dont have and you should have never charged me. From what I have been told. You are only to charge taxes on a lease phone plan and the plan even though it was supposed to be a lease was setup as a payment plan. So therefore, you charged me taxes you were not supposed to.
Complaint sub-issue: Account information incorrect

On my EQUIFAX report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX i do not recognize these account. It is not Mine. Do to it is not mine it mist be removed under the FCRA. Please request proper investigation with proof if investigation under title 15 usc 1681. XXXX XXXX is my name. This communication is being sent to a XXXX computer. A XXXX AI machine, but that are not my wishes. Send this correspondence to a real human. Not a machine. I am a human I can not talk to a machine. -all accounts reporting on my credit report shouldve been investigated. Request what investigation was done.
Complaint sub-issue: Problem getting report or credit score

My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, Equifax and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is the second time someone put XXXX different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. 

This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CITICARDS and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Account information incorrect

On my Equifax report it shows that XXXX XXXX was 60 days past due on XX/XX/2016. I was never past due on my payments so this is very inaccurate. I a made all of my payments on time. I've filed a dispute with them but the late payment is still showing on my credit report.
Complaint sub-issue: Account status incorrect

I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.
Complaint sub-issue: Account terms

The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Lending Club Corp is being reported as a delinquent account every month after several disputes. It is affecting my score.
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my WellsFargo checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Complaint sub-issue: Account information incorrect

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, EQUIFAX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Complaint sub-issue: Trouble with how payments are handled

I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.
Complaint sub-issue: Account status incorrect

equifax credit bureau will not delete veridian auto loan off my credit report, XXXX and XXXX both have. The debt is paid, its XXXX XXXX XXXX and yet equifax still has it on my report. I have sent several letters to them and they will not respond.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Information belongs to someone else

I noticed an account on my credit report I do not recognize
Complaint sub-issue: Company closed your account

US bank has an issue with profiling customers. I spoke to a manager at a brach regarding my account and a deposit of a government check for my business. The branch manager XXXX XXXX ( XXXX XXXX ) said he would send in my check to MN as it was above the limit for deposit. The check deposited was a tax return check for my business. The manager on the phone told me there would be no issues with the deposit but a week later I received a letter from the branch manager XXXX XXXX XXXX stating that US bank would be closing my account without any reasoning. I called the branch for further clarification as I knew It had nothing to do with my account. It was in good standing with no bounced checks for late payments. All my checks deposited where travelers checks - and they stated this not something they can discuss and I would need to call corporate. After spending 30 mins waiting to speak to someone at corporate they stated they do not have reasoning and nor do they need to provide one to close an account. The mentioned to me in the deposit agreement that ( page 14 ) that they can close and account for " any or no reason ''. 

This is the clause US bank uses to allow its employees to openly discriminate against customers with immunity. They will close down the accounts of anybody they please and without any warning or reasoning. As a citizen and taxpayer who paid for the bailouts of these banks I feel cheated and I want representation to fight these egregious laws US Banks has made to cause detriment to minority business owners. 

US Bank recently settled on a case where the branch manager declined to deposit a check from a Minority only to find out later that the check was in fact his and eventually settled with the individual.