Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Personal information incorrect

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to XXXX to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

I provided the list- XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Complaint sub-issue: Information is not mine

On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX
Complaint sub-issue: Information is not mine

My sister 's name is on my credit report on XXXX, Equifax. Her name is completely different than mines and our social number differs by XXXX digit. I 've contacted Equifax and they told me that I need to call them every time to straighten out any loans that does not belong to me, i.e. for the rest of my life. It should be their job to report correct information and not mines to correct them. I would like to file a complaint against all XXXX credit bureaus for false, inaccurate reporting of my credit and failing to correct it.
Complaint sub-issue: Attempted to collect wrong amount

I once owned a timeshare with XXXX XXXX in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.
Complaint sub-issue: Investigation took more than 30 days

Lexisnexis is reporting information to the XXXX credit bureaus that should not be reporting.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. 

I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the LexisNexis reporting agency asking them to verify the accuracy of a XXXX  XXXX Bankruptcy listed on my consumer reports. I received a letter back stating that they verified through XXXX XXXX center. I then emailed XXXX, asking do they report any information to third party reporting agencies, in which they responded with They do not contact consumer reporting agencies. I also wrote a letter to the U.S. Bankruptcy Courts asking them do they report any information on a consumers report to and third party consumer reporting agencies ; they responded with they do not report any information to any credit agency. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach has allowed my sensitive information to be stolen.
Complaint sub-issue: Trouble with how payments are being handled

On XXXX/XXXX/XXXX, I accessed my account to to make sure that I did not need to submit paperwork regarding my student loan interest in anticipation of filing my taxes in XXXX. I noticed that my loan balances had been increasing every month for several months, and then I noticed that my account was in deferment. After checking my statements, I noted that my account was put in deferment in XXXX XXXX. I neither authorized nor wanted this deferment. My loans were close to being paid off when I last checked my balances in XXXX XXXX, and I looked forward to being relieved of this debt before I graduate from XXXX XXXX with new loan balances to pay in XXXX XXXX. 

My account for these loans has been on auto-payment for a long time, before Discover purchased my loans from XXXX in XXXX. I had no reason to think that my payments were not being deducted as instructed. I received no notice that my account was put into deferment, nor was it requested. The only notice that I received from Discover in XXXX XXXX was an indication that my interest rate had increased, which I attributed to the increase in federal rates. My interest rate was at 3.5 % for two loans and 3.25 % for one other at the time the deferment was instituted. Now, my interest rates are 3.75 % for two, and 3.5 % for the other.

I called Discover for an explanation on XXXX/XXXX/XXXX. Discover 's representative told me that Discover had a company-wide issue with this and had been resolving the cases as they came up. He advised me that several accounts had a " box '' checked on their applications indicating that their account should automatically move to deferment status if Discover is made aware that the customer is in school. I never notified Discover that I was in school, because it was never my intention to defer these loans. Furthermore, I do not recall ever checking a box for this option. The Discover rep moved my account out of deferment and told me that my next auto-payment would be XXXX/XXXX/XXXX. However, this does not resolve the issue that, had Discover not put my account into an unauthorized deferment, my account would have been basically paid off by XXXX XXXX. Also, some of my payments would have been at a lower interest rate. Now, I will be paying for these loans up to my graduation, at a higher interest rate. I asked Discover for remuneration for the inconvenience and increased interest rate and was told that none was currently available for customers, like me, who were affected by Discover 's error.

I contact CFPB today, because Discover indicated that this was an issue that affected many with student loans owned by Discover. Though my loans balances are low, and the amount of additional interest that I will end up paying will be small, other customers have larger loans balances, which will result in a larger payout to Discover in the long run. It is patently unjust that Discover should profit from their mistake. Furthermore, since the error was on the part of Discover, Discover has the responsibility to rectify the error and actively contact any and all customers affected, rather than the other way around.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status

The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to call XXXX  to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX  and Equifax and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Complaint sub-issue: Information is not mine

I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.
Complaint sub-issue: Account information incorrect

Equifax is NOT showing all of my accounts even know the lenders have told me they are SENDING the into TO XXXX in XXXX case its showing an account closed that is clearly OPEN Etc XXXX XXXX/XXXX  Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mo ) ( showing closed ) XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX  yrs, XXXX  mos )
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX, Equifax. I checked my Equifax consume credit report online.My name is incorretly spelled out. My XXXXersonal Information show that I lived in XXXX different address at the same time. Check the DATES. THE DATES ARE INACCURATE. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The former address is inaccurate. The former address needs to be deleted. The current address is inaccurate. The XXXX XXXX should not be added. The current addres need to be updated. I have added documents from the Equifax website and documents of my address were I have been living sents XXXX. I couldn't have lived at another address in XXXX. That's Impossible. This is a violation of 15 USC 1681.
Complaint sub-issue: Account status

My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Investigation took more than 30 days

XXXX violated investigation by law have not responded within 30 Days nor gave proof of verification.
Complaint sub-issue: Inadequate help over the phone

To whom this may concern. 

My Equifax report shows two accounts in dispute. I DID NOT request a dispute of these items. These items are VALID. I have called Equifax customer service multiple times and each time was told the investigation would be immediately canceled. It has not been canceled, and as a matter of fact it was completed and then is now in the process of a RE-INVESTIGATION. 

The items I am referring to are below : XXXX Account # XXXX and XXXX Account # XXXX Please let me make this CLEAR. I never disputed these two accounts. They are VALID. I would like any disputes or investigations into these two accounts stopped at once.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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 instructions.
Complaint sub-issue: Debt is not mine

I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

Hello, Today I discovered ( Negative credit item : XXXX XXXX XXXX for the amount of {$960.00} ) had been re-inserted into my credit file on XX/XX/XXXX and I did not receive notification. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion and certify that the information is correct. 

Also, two late payments with XXXX XXXX XXXX XXXX and two unauthorized inquiries ( XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ) were incorrectly added to my Equifax credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following accounts has violated my rights : 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 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
Complaint sub-issue: Other problem getting your report or credit score

XXXX  and XXXX  are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX  during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Complaint sub-issue: Talked to a third-party about your debt

I received several voice mails from F & M Capital in the past few weeks discussing a debt they claim I owe and threatening that legal action would be taken. I have never received any written communication from them and my voice mail greeting does not state my name. Today I received a voice mail from them claiming that I had been writing bad checks and threatening me with jail time. I do not write checks and again, my voicemail greeting does not reveal my name in any way. Today they also called my father and left him the same voicemail, claiming that I wrote bad checks and could serve jail time and to have my attorney contact them. I have not contacted them or answered their calls because of the legal threats. If they intend to take me to court for some debt, they need to contact me in writing and not discuss private business through voice mail and with third parties. The number they called from this time was XXXX.