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

XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I've emailed LrexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and today. I have provided them with all my personal information and nothing has changed. This is the company below. 

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Trouble with how payments are being handled

I am writing to request an expedited payment review for the Public Service Loan Forgiveness ( PSLF ) with Fed Loan Servicing, my current loan servicer. I have repeatedly, over the last 4 years communicated, sent documentation, and requested correction of the payment count on my loans. My final 120 payments on the PSLF program will be XXXX. Due to the length of time and non-responsiveness of FLS, I have continuously tried to work with them to get the payment count corrected. There are 15 payments that are not being counted toward PSLF by FLS. 1 ) 13 payments made to Direct Loans XXXX that are not being properly counted by FLS. Documents 1,2,3 uploaded pertain to these payments. # 1 is a copy of the 13 payment receipts ; # 2 is a letter from Direct Loans that I am being placed on the Income based repayment ( IBR ) plan, a qualifying plan for PSLF ; # 3 is a letter from XXXX acknowledging that when my loans were transferred by Direct Loans to XXXX in XXXX, that paperwork for my loans did not transfer along with the loans. Next, 2 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 4 attached copy of the payment receipt. Next, 3 ) A payment made to XXXX on XXXX is shown as ineligible by XXXX. See doc # 5 attached a copy of the payment receipt. Next, 5 ) A payment made to XXXX on XXXX is shown as Outside of payment window by XXXX. This payment was made to XXXX on XXXX. My loans were transferred to XXXX within a day of this payment causing the payment to be caught up in the transfer. The payment arrived at XXXX but was miscoded. Its still miscoded after 4 years in spite of repeated requests to have XXXX correct it. See doc # 6 copy of payment receipt made on time on XXXX. I need help!! Thank you for your time and work on my behalf. XXXX ( XXXX ) XXXX
Complaint sub-issue: Information is missing that should be on the report

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. Equifax has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Im in the process of purchasing a mortgage loan and I had a dispute remark on my Equifax credit. I needed the remark removed before I could proceed with purchasing the home. Last month in XXXX they was able to remove the remark the same day, but the remark would keep appearing after a week. The remark came back in the beginning of XXXX and I called Equifax to get the remark removed. They told me it could take up to 30 days but the previous month they was removing it the same day! I kept checking every day to see if the item was removed and the customer service reps kept telling me the item was removed. I specifically asked has the item been removed and if my loan provider run my credit will the remark not show. He stated yes its been removed and it will not show. My loan provider ran my credit report and the remark was still showing. This happened two other times this month with Equifax reps telling me the item has been removed. I kept asking to speak to a supervisor and they would hang the phone up in my face or tell me a supervisor isnt available. I spoke with one rep and he told me the previous reps didnt know exactly what they were doing and every time I called they started the dispute over and kept putting in the wrong code for the item to be removed. My item still has not been removed from 3 weeks ago and the seller has decided to take another offer on the house. I have been able to get this matter resolved with XXXX and XXXX immediately, but Equiifax is not being professional and dont have the necessary training. I am speaking to a lawyer about this matter because theyre ruining people livelihoods. I have names of the reps and the supervisor and confirmation numbers. ( Supervisor name ) XXXX XXXX and service rep XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Hello. 
I had charges that did not belong to me & direct express has not helped at all. They denied my claim even when the companies in question tried to intervene. 
There were numerous charges but my concerns were of higher amounts. 
To begin, XX/XX/2022 a charge to XXXX for XXXX ( I haven't had XXXX in years ). 
2 ) A charge to XXXX for XXXX ( never heard of them ). 
3 ) A charge to XXXX for XXXX ( I have never ordered from XXXX online ). 
The first 3 charges were made on XX/XX/2022. 
Then XXXX XXXX for XXXX on XXXXXXXX  on XX/XX/2022 two charges, 1 for XXXX & the other for XXXX. 
To clarify these were not mine. In fact when I called to notify direct express they were quick to cancel my card and charge XXXX for a quick air delivery replacement card. I also have so many little charges from XXXX XXXX among other smaller charges. The company has been nothing but rude while I have tried to remain kind. 
Any help at all would be so appreciated. 
Thanks so much. 
XXXX
Complaint sub-issue: Account status incorrect

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. Equifax will not remove the inquiries and told me they will not dispute them!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is reference to a CITIBANK Add-On card ending .... XXXX in the name of my daughter that was stolen on the evening of XXXX XXXX US EST. Soon after it was stolen, 5 transactions were carried out [ using this card ] at a nearby store in XXXX, even without using the PIN. The amount was close to USD 5000. The card was blocked immediately following the transactions. 

My daughter filed a complaint with the XXXX Police, informing them of the theft of the card. A copy of the complaint number is attached. Also attached in the XXXX and a detailed copy of the police report. 

Thereafter, I had spoken to executives at Citibank confirming the theft and the nature of transactions performed. I was informed that the transactions were now being considered 'disputed ' and a decision to this effect will be taken. 

Have being speaking to the executives on multiple occasions with no response. The amount is still shown to be outstanding in my account.
Complaint sub-issue: Account status

I have contacted Equifax on numerous occasions concerning this problem and it has not been resolved. In my experience their customer service agents are not very knowledgeable in regards to rectifying problems. Equifax has removed an account that is open and in a positive status on my credit file. The account to which I am an authorized user on, is my spouse 's XXXX XXXX XXXX, account number : ****************. It showed up for two days and then disappeared. I have contacted XXXX and they have assured me that they report the account to Equifax every month. I can also confirm that the account reports to XXXX and XXXX every month. By not reporting this account my credit score is suffering and I am having a difficult time obtaining a mortgage.
Complaint sub-issue: Problem accessing account

My checking account was frozen after paying my mortgage payment. Discover assumed fraud, didn't contact to ask if it was me, just froze the account. Their online help chat service doesn't help, says I can only call discover. For a week, at various times of day, the service says it'll be 3+hours of waiting to speak to a representative. Like clockwork, at the 2 hour mark I'm hung up on. 
I'm locked out of an account I have bills tied to and Discover doesn't provide any means for me to fix the issue they created. My account is being held hostage
Complaint sub-issue: Problem using a debit or ATM card

I received a deposit from Fsa and on XX/XX/2022 I noticed that there were 4 virtual card purchases on XX/XX/2022 for {$640.00} {$700.00}, {$990.00} and {$990.00} which took all of my money and I did not do these they say XXXX XXXX which I have no idea what this is so I called and filed disputes on all of them amd I just received this which has me so upset its not funny Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX, XXXX XXXXXXXX XXXX  {$990.00} {$990.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$990.00} {$990.00} XX/XX/2022 XXXX XXXXXXXX, XXXX XXXX, XXXX  {$700.00} {$700.00} XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX {$640.00} {$640.00} We have thoroughly investigated your claim and determined that no error has occurred. 

This notice serves as final resolution of your claim. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card as we would be happy to assist you further. 

The institution is moneylion and I wrote them and told them that if they would look at the IP address they would clearly be able to see that I did not do this.
Complaint sub-issue: Their investigation did not fix an error on your report

The following ( Equifax ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Complaint sub-issue: Public record

In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Todays Date XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/XXXX I received a copy of my credit report, I found a two items on the report were inaccurate accounts. I sent a letter to the credit bureuas & the collection agency where this alleged debt was sold/transferred. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose 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 dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX  Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXXt Acct XXXX  they could not provide one XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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 an account without my written instructions
Complaint sub-issue: Report provided to employer without your written authorization

CITI CARDS CBNA  has left a Hard inquiry on my account for the past year. I have tried on multiple different occasions to contact them, they have fail to give me proper documentation of the original document where I gave them permission to pull my credit or place this on my report. Please assist me on getting this miner mark removed from my report.
Complaint sub-issue: Account information incorrect

I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.
Complaint sub-issue: Reporting company used your report improperly

Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX, my credit score was XXXX On XX/XX/XXXX, I was trying to obtain a mortgage and was advised my credit report for equifax showed frozen. I called Equifax they stated my credit file was not frozen. I advised the lender and they obtained the same result. On XX/XX/XXXX, attempted to pull again with the same result. I contacted equifax again and was told they did not have a freeze and there is nothing they can do about this. I was unable to move forward with a mortgage. 

On XX/XX/XXXX, my score finally showed up again as XXXX On XX/XX/XXXX, I went to XXXX XXXX motors to obtain a car loan and they was unable to pull my credit. I called Equifax and was told my file was not frozen. I continued to get denied due to the report stating frozen by the consumer. After 3 hours and multiple calls to equifax I was then told by an equifax rep the name XXXX is shown as my middle name which was never my middle name. XXXX was my last name prior to getting married XX/XX/XXXX. I asked equifax why was that done and they had no explanation. I then advised the dealership and they included the name and my credit file was able to be pulled. Equifax advised me to send proof of identity with the correct name. I sent this information via certified mail. I also sent it by fax and was old it was not clear. I resent the information to equifax and the representative stated that it was able to be read and will be processed. 

When I begin to be frustrated about this my score decreased by XXXX points with no change to my credit file putting me at a XXXX. 

On XX/XX/XXXX, my score dropped XXXX points for paying down a credit card On XX/XX/XXXX, my score dropped 4 points for an inquiry when I was out the country and did not give any permission to have my credit pulled On XX/XX/XXXX, my score dropped another XXXX points with no change giving a score of XXXX It appears that I am being discriminated against by equifax. When I want to obtain credit my file can not be pulled as they continue to use XXXX as my middle name after being proven several times that is not my name however, they continue to decrease my credit score causing me a total of XXXX lost and placing me in another credit category. I have no delinquencies and my score is showing as if I did not pay my bills and Equifax has ignored the issue but rather punish me for being frustrated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, I received an email stating an hard inquiry was pulled from my Equifax credit report. The name of the company is XXXX XXXX XXXX. I submit a dispute to Equifax stating I did not authorize this inquiry and it must be fraud. I received notification from Equifax stating I must call them for more information. I called Equifax on XX/XX/2019 and was told by an representative that Equifax do not investigate hard inquiry and I must contact XXXX XXXX XXXX about removing the hard inquiry. On XX/XX/2019, I called XXXX XXXX XXXX and was told I need to get in contact with Equifax as they do not have any information XXXX XXXX XXXX pulling my credit report. At this point, I am frustrated because no one wants to help me. Please help me and have this hard inquiry remove. 

Thank you.