Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I am writhing about XXXX XXXX XXXX XXXX This account is inaccurately reporting a 30-day delinquency on my credit. I have reached out to the creditor and reporting agency to have this deleted and to this day it has not. There are numerous inaccuracies with the reporting of this account, which include but not limited to : inaccurate delinquency, inaccurate high credit amount, not showing any date of delinquency but reports a 30 day late, inaccurate payment amounts, and not updating my credit profile that the account was in dispute with the credit reporting agency or creditor. This has had an extreme NEGATIVE impact on my report, and I asked that it be removed immediately. If for whatever reason it is not removed, I am asking that I be notified in writing with proof supporting the decision and explanation of all the discrepancies with involving the reporting of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I XXXX XXXX want all my personal information deleted that's not on my documents added.

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Complaint sub-issue: Information belongs to someone else

Dear CFPB I am contacting you with regards to Lending Club that is reporting on my credit reports that I have no known knowledge of and was included in my fraud case back in 2019. I have contacted them on several occasions and I keep being told the same thing that they " DO NOT '' have any information and the account is gone or they can't find anything. Well the issue that I am having is that on my credit reports it is being reported by the company Lending Club and noone else. XXXX each and every time seems to be able to contact them and say it is valid. 

I would like to know how is the account valid when they tell me they have no information and it's reflecting on my report by them. I have been going back and forth with XXXX and Lending Club the furnisher about this and it's time they fix it. The business practice between the tow is unethical and unfair and as a consumer who has been trying to fix this proving FTC Affidavit and XXXX Police reports need this to be handled once and for all. 

What Lending Club continues to ignore is the fact that it's their company that is reflecting on my report and they are the ones who must take if off. It states transferred, well to who doesn't matter who has this erroneous account Lending Club is showing to be the one reporting. How is XXXX validating this erroneous information leaves me confused. Per 623 of the FCRA the furnisher states that a furnisher must not report inaccurate consumer information Also per 623 ( a ) ( 2 ) when any furnisher has been notified that a consumer is a victim of identity theft, the furnisher may not sell, transfer or trade for collection of the debt.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.
Complaint sub-issue: Information belongs to someone else

I recently gotten a copy of my credit report through XXXX XXXX and I have notice there are some collection accounts listed on my credit report that doesn't belong to me. I never applied for any of these accounts. These fraud collection accounts are hindering be from gettin approved for things. I never applied for these loans and fall back on the payment. These accounts don't belong to me and I ask they are remove from my credit report asap. 
ACCOUNT DATE OPENED BALANCE XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$6900.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry -XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom in concern : A collection company ( XXXX XXXX ) has placed a collection item on my credit report ( Equifax ) for the amount of {$2300.00}. I have sent two ( 2 ) validation request to XXXX and they have not conducted a proper investigation. They provide a copy of a bill with no other supporting documentation. On my second validation request they provide a standard response with no additional information. In addition XXXX failed to conduct the investigation in the thirty ( 30 ) days. As proof I have provide all USPS certified letter tracking number with dates. The envelope with XXXX response is dated XX/XX/2020 which is over the 30 days required. They didn't provide a letter requesting an extension. In addition this account was not listed as disputed by consumer on my credit file within Equifax. 

This collection on my Equifax report has caused my family harm in we are unable to gain favorable credit interest rates. 

This item should be removed because it does not belong to me, and XXXX has failed to follow FCRA. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to XXXX, and was told by XXXX the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my XXXX credit report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Lexis Nexis by phone, in XX/XX/2022, regarding 8 inaccurate XXXX XXXX claims records they have attached to my consumer record. These inaccurate records caused my auto insurance premiums to increase by 150 %. 

Nexis Lexis initiated their dispute process and informed me they would respond within 30 days, which they did on XX/XX/2022. Their " investigation '' process determined the claims to be accurate and have not removed them from my record. They also furnished me with a full copy of my record which I then analyzed it myself and found no less than : - XXXX incorrect Identification Records- XXXX incorrect Address Records- XXXX incorrect Insurance Policy Records - XXXX incorrect XXXX XXXX - XXXX incorrect Auto Insurance Claim Records All the errors in my record seem to involve an individual, by my same name - XXXX XXXX, who lives in XXXX  and is a XXXX XXXX. I have never lived in XXXX  or held a drivers license in that state. I have lived in XXXX  my entire life and have only held a XXXX  drivers license. 

I honestly have no idea how anyone at LexisNexis who read the report, that they supplied, could not see the sheer volume and scope of errors, discrepancies and inconsistencies throughout my record. I was mortified and it was clear to me that no one actually looked at my record to determine what was happening. 

This is important personal information that effects all aspects my financial life and employment, etc, and it needs to be corrected ASAP. 

Thank you for your assistance in this matter!
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. 
Late Close : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Can't use card to make purchases

This past weekend my bank went through conversion as PNC was taking over. As a previous employee the bank, I had expectations about how this was going to be handled. To say it fell very short of expectations is an understatement. Ill leave all the issues with getting funds to others because Im sure there are a lot of those. I have personally prided myself on my credit. My scores hover around 800. I have never had a transaction denied. I had worked at BBVA also and even though I worked at other banks I always used my bbva credit card due to rewards earned. I used it religiously and did not use a debit card. Well I was leaving for a trip without my family Thursday until today. So on Wednesday evening of XX/XX/XXXX I went to pay for my luggage through XXXX  XXXX  and it would not go through. I called XXXX  and after 10 minutes I was told it was declined. So first off I was not happy since I have never been more embarrassed but more importantly I had no idea why. Back up a few weeks. I looked at PNCs website with their welcome and what to expect during conversion specifically credits cards. After 29 minutes of searching. It said that I would be able to use my credit card through conversion and after conversion I would receive a new PNC card to start using upon arrival. Well I called PNC and after 25-30 minutes Im told that PNC had just created my new card and I should receive it in a few days and by the way, your old card wont work. Here I am leaving my wife and kids at home with a credit card to use, Im going away with a credit card to use and guess what, I have no access to my credit. How is this possible to post information on your website and not follow through? I still have no credit and I feel very lucky that nothing happened where I was in dire need. Im not sure what the laws state specific to credit since they had XXXX reason for me not to have access except for this cluster of a conversion. The lady I spoke to couldnt turn it back on and and told me basically I was stuck and nothing they could do. Ive never been so embarrassed and still aggravated I dont have a card. 

In addition I was not properly disclosed to about the changes. In XXXX I moved to XXXX area. I had changed my address with BBVA in XXXX. Well apparently that change did not get to PNC. A week before conversion I had to call and verify a bbva had the correct address, PNC kept sending to my old address. Also I explore someone to actually go to PNCs website and find credit card conversion. Its like the hidden ball trick. 

If I want to send an email or call someone above a basic customer service person, there is no way to route that. They dont provide that information to the public. I have attempted calling, emailing using XXXX. I complained on XXXX directly to PNC customer service and didnt get a response for 3 days Ive worked at a lot of XXXX  and have been through many conversions and this one by far was the most disorganized one with the worst communication. All my accounts will be closed and Im researching further action XXXX XXXX
Complaint sub-issue: Information belongs to someone else

HELLO. MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN A XXXX LOAN, THEY ALSO MADE PAYMENTS ON THIS ACCOUNT TO COVER IT UP. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX XXXX  OPENED : XX/XX/2009 XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's 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 whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's 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 rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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 person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Transaction was not authorized

I notified my financial Institution, U.S. Bank, that i had lost a debit card back in XXXX XXXX XXXX. U.S. Bank cancelled the card and issued a new card. I alerted merchants of my new card that I had set up recurring payments with except I forgot one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In XXXX, on or about the XXXX of the month, while reconciling my checking account, I noticed a {$230.00} charge from XXXX XXXX XXXX. I called them and asked what the charge was for. They stated, my card they had on file was declined and in XXXX, they stated that U.S. Bank notified them of my new card so, the merchant charged me for four months of membership fees. I asked for a reversal, they agreed and, i asked to close my account, they agreed, fortunately. 

I then contact U.S. Bank to ask them how and why they gave my new card information when i did not authorize them to do so. I asked them if they were using a product/service called, " XXXX Account Updater Service ''. They said ( and I quote ), " We can neither confirm nor deny that we use that service ''. I replied that I was concerned about identity theft because a financial institution is supposed to only update merchants of new card information where the card has expired, not where the card has been reported lost or stollen. They would not tell me if they gave the merchant my information. I mentioned that I use the service in the course of my business at my employer and that I was knowledgeable of the rules surrounding updating merchants and that they were violating the rules. I asked to speak to a supervisor. They instead took my number and have never called me back. I also complained to US Bank 's customer service portal on their website and have received no response. 

U.S. Bank is releasing XXXX data, debit card information, to merchants without the knowledge or consent of its customers.
Complaint sub-issue: Received bad information about your loan

I called XX/XX/XXXX and requested a refund of all the loan payments I made since XXXX of XXXX. They said great, got it submitted and quoted me 4-6 weeks. I got an email on XX/XX/XXXX saying my request was denied, I so called again them again on XX/XX/XXXX and they told me the request wasnt processed correctly and I had to do it again. I then re-reuqested my refund on that call and they told me it was officially submitted. I checked in with them for a status update on XX/XX/XXXX and they werent able to provide any information but quoted me another 4-6 weeks.