Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from XXXX XXXX on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.
Complaint sub-issue: Investigation took more than 30 days

Equifax is still violating my FCRA rights and denying me access to my credit report ( see attached screenshot from today, XX/XX/21 ). They fictitiously claimed in my last CFPB complaint, which was closed in error for some reason, that they had " mailed me a copy of my report, '' which was a complete lie. I have attempted to file the previous complaints with the CFPB, which were all closed without logical reason. The prior cases were : XXXX, XXXX, XXXX. I am still being denied access to my credit report by Equifax, in violation of my FCRA rights. See attachment.
Complaint sub-issue: Information belongs to someone else

XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX a fraudulent charge was posted to my account in the amount of {$1500.00}. The merchant was XXXX I did not recognize and had never done business with of any kind : " XXXX XXXX XXXX  ''. 

I immediately lodged a dispute with Citi by telephone, and received an update by mail on XX/XX/XXXX that they were looking into it. Shortly after I noticed that the status of the dispute had been updated to " Customer responsible ''. I called the Dispute team and found out that there had been some misunderstanding due to the transaction being on a virtual account number and the dispute was reopened. 

When I called to request an update on the status of the dispute around XX/XX/XXXX, I was told that my dispute had been closed because I had provided the merchant with the account number. I told them this was not correct and had no basis in fact. Citi requested that I submit these details in writing via email, which I did. ( attached ). 

I eventually received a letter from Citi ( attached ) on XX/XX/XXXX stating : You let us know that you didnt make this transaction ( s ), but during our investigation we learned that you provided the merchant ( s ) with your account information for a series of purchases. You may have seen this transaction ( s ) previously under a different company name or location from where it occurred. Since you provided your account number to the merchant ( s ), we dont consider this fraudulent activity This is entirely incorrect as I had made very clear verbally and via email. I had provided the account number to only XXXX merchants since it was opened, and none of them are even in the travel industry. I called Citi and I was told that I would need to reopen the dispute by mail, which I did ( letter attached ). 

Citi received this letter on XX/XX/XXXX, and responded on XX/XX/XXXX ( only XXXX business day later ) with a word-for word copy of their letter on XX/XX/XXXX. This does not address any of the points I raised in my phone calls, email, and letter, nor did they justify their unfounded position that I had provided this merchant with my account number.
Complaint sub-issue: Cashing a check

XX/XX/2019 notified my BB & T branch in person i was traveling and would be leaving a post dated check for my house sitter. Check dated Monday XX/XX/XXXX. 
Check was presented and cashed on XX/XX/XXXX, causing an over draft. The bank charged me XXXX $ for this and i have been trying to resolve this since XX/XX/XXXX. I called XX/XX/XXXX and the rep said they would send a request to have it refunded. i called back a week later and the rep transferred me, that rep hung up on me transferring me back to a customer service line. i called again a few days later and spoke to a supervisor who told me they would review these calls and get back with me. they did not, i called two more times and again this past week. each time all i get is " we'll review it and call you back '' no one has called me back, i reached out to the office of the President, logged a complaint there as well, and still no call back. I will be leaving BB & T if i can not get the fee refunded.
Complaint sub-issue: Information belongs to someone else

Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX XX/XX/2017 thanks these are the remainder of identity theft items
Complaint sub-issue: Personal information

Name XXXX XXXX XXXX is not my name. It is on my credit report.
Complaint sub-issue: Received bad information about your loan

Nelnet contacted me concerning my student loan and their representative said I needed to consolidate the loan. I was concerned, due to financial losses I was counting on loan forgiveness. I was paying the loan on a regular basis and was under an income repayment plan. I was told the billing would resume in two months. This consolidation occurred for the months of XX/XX/XXXX and XXXX of XXXX. I was deeply concerned when Nelnet wanted to do this because I did not want any lapse in my repayment play. I did not ask for a consolidation. The loans had previously been consolidated early on. The representative reassured me that was not the case and my payment history would be continuous. Now after applying for loan forgiveness, I am informed I was placed on administrative forbearance by Nelnet for those two months so my record was interrupted. I specifically said that I did not want any lapse in my payment schedule. Now only one of the loans is showing as receiving continuous payments after this consolidation and on the one loan that is showing a recored, there are only 40 months of continuous payments recorded instead of over nine years. I was lied to by XXXX. I was afraid of their business dealings due to all of the recent bad publicity and now I understand why. I won't describe my situation but I have taught college level classes to disadvantaged and non-traditional students for over twenty years. However, I had two forbearances due to financial concerns but worked diligently to maintain a continuous payment record over the last nine years. This is incredibly distressing. I can't retire and am suffering from XXXX that may limit my future employment. I do not know what to do at this point.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. 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 U.S.C 1681 section 602 A. States I have the 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: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  XXXX Account # 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 1
5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account status incorrect

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. XXXX XXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Complaint sub-issue: Account status

I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.
Complaint sub-issue: Banking errors

I opened an online savings with CitiBank on XX/XX/2022. They had a promotional to earn XXXX XXXX  {$300.00} promotional cash bonus. If you put in $ XXXX, you get {$100.00}. $ XXXX you get {$200.00}, $ XXXX you get {$300.00}. I put in $ XXXX an entered the bonus code. I went online to Citibank customer service/Chat feature the end of XXXX to check on the status of my bonus. I was assured that he could see the promotion bonus code and that I should rest assured I would get my bonus soon. As of XX/XX/2022, I still do not have my {$300.00} bonus. I went online again today, XX/XX/2022 and chatted with Citibank. They now say that I did not open the correct type of savings and I will not be receiving my {$300.00} bonus as they promised. They agreed they could see the last chat where I was assured I would receive my bonus.
Complaint sub-issue: Other problem

I WILL SUBMIT MORE INFORMATION ON MY ORIGINAL FILING THAT WAS CLOSED WITHOUT MY RESPONSE TO THE COMPANY RESPONSE TO MY COMPLAINT. 

I HAVE MORE INFORMATION THAT I WILL BE SUBMITTING BY REGULAR MAIL. 
I AM CHARGED TWICE ON INTEREST ON MY ACCOUNT. ONCE ON THE " XXXX OF THE MONTH, WHICH IS CHARGED TO MY " CREDIT CARD '' WHICH IS TAKEN FROM THE BALANCE ON MY CARD. 
IF MY BALANCE IS BEFORE THE XXXX ( example {$130.00}, after the XXXX my account is charged {$44.00}, they take the money out of my charging balance, now it reads {$80.00} on my available credit charging ). THEN ON THE NEXT MONTHS BILLING I'M CHARGED " MORE INTEREST '' WHICH I PAY IN CASH WHEN I PAY MY MONTHLY CHARGE. 
HOW IS THIS RIGHT? OR FAIR? 
MY COMPLAINT XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/18 I made a payment of {$38.00} on my XXXX XXXX XXXX   credit card account. This brought my balance from {$290.00} to {$260.00}. Unfortunately, on XX/XX/XXXX Equifax erroneously reported a past due amount of {$76.00} which resulted in a derogatory account being reported on my credit history. Furthermore, I called the creditor, specifically XXXX XXXX XXXX, who verified the account was not past due and was never reported to Equifax as having a past due amount.

As a result of the erroneous reporting my credit score dropped and/or declined by 28 points. I've disputed the error and/or erroneous reporting with Equifax, demanding correction of the erroneously reported past due amount and reinstatement of my original credit score. Unfortunately, Equifax has not responded to my request neither has it restored the 28 points lost due to its erroneous reporting.