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

i have sent complaints to be disputed to these companies without a response. Please ensure this information gets to the companies in question and is investigated properly
Complaint sub-issue: Information belongs to someone else

I am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.
Complaint sub-issue: Was not notified of investigation status or results

I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.
Complaint sub-issue: Received bad information about your loan

My student loans were placed in a " forbearance status '' after I requested assistance in XX/XX/2018 due to temporary financial hardship. On XX/XX/2018, credit monitoring service notified that I was 90 days late on 3 student loans. After contacting XXXX XXXX, they stated that the account was currently in " forbearance status '' but had not previously been. This issue seems to be a clerical mishap and is greatly effecting my credit score as the single payment was distributed/reported to 3 individual loans.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Original Debt : XXXX  XXXX Debt Collector : XXXX XXXX Account # XXXX Amount : {$1000.00}
Complaint sub-issue: Account status incorrect

In XXXX I got help with my credit report. Some disputes with made on my XXXX student loan accounts. I called all the credit reporting agencies in XX/XX/XXXX to have the remarks removed from those accounts because I was not disputing them. All of them with the exception of Equifax removed them. I am purchasing a home and my closing date is this coming Friday XX/XX/XXXX. However, I received notification that my credit report had some false information on it and I needed to have it resolved before we go to closing. So on XX/XX/XXXX I called Equifax to once again have the dispute remarks removed from my account and they gave me the hardest time. I was told that they removed them and that it would take a couple of days to reflect on my report. I waited a few more days and my agent did a soft pull and the remarks were still on my report. I called Equifax again on Friday XXXX XXXX 4-6 times and I spoke to several people from XXXX until XXXXXXXX XXXX I was able to speak with a supervisor named XXXX from their Office of Consumer Affairs department. His employee ID is XXXX and the reference number is XXXX. Upon speaking with him he assured me that the problem and been rectified and that it would reflect immediately on my credit report. I then purchased the myequifax product to be able to obtain my report. Come to find out the installment accounts were not listed at So I called Equifax again on XX/XX/XXXX at XXXXXXXX XXXX to find out that my student loans accounts were being reported as closed and the comments states that my student loans are being paid through a financial counseling plan. That information is completely false I have never used a agency to to pay off any debt at all. After an exhausting two more days of speaking to several representatives and no one was able to fix this problem. They are blaming XXXX for reporting this information so I called XXXX and they state that they have not reported any of the information that is on my Equifax report that the info is false and incorrect. XXXX sent me several letters stating that my account is in good standing and my next scheduled payment date. They have also submitted two letters to Equifax asking them to remove the info that they are reporting as it is false. This Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX I had the worst ever experience with Equifax 's manager XXXX who would not supply me with his employee Id number or a supervisors name. At this point I am going to be homeless because I will not be able to close on my house this Friday due to the false and misleading information reported on my Equifax report the other two agencies have supplied the correct information. This is very upsetting and I hope that someone will address this as expeditiously as possible. My family and I are about to be homeless because of bad reporting and mistakes from Equifax.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Complete amount was paid off. Now the Sierra credit States I owe another {$38.00} and they claim they sent a notice of this which they did not. The only reason I was even informed was due to me calling to find out where the pink slip of the vehicle is. This credit company even charges over {$6.00} to make a payment through either the automated system or on line. Also when I sent a check through my bank they would never cash is cash it causing my account late fees, etc.
Complaint sub-issue: Problem with fees

Macys signed me up for a credit life insurance with a company called credit pro. I did not give consent. I am billed up {$23.00} per month. The amount fluctuates depending on your balance. I have been billed for this fee over over a year. It could be more but I dont have access to older statements. I need them to reimburse me for all the fees. This transaction was fraudulent and was not approved by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am an identity theft victim and I've attempted to resolve this matter with both parties but receive no results.
Complaint sub-issue: Report provided to employer without your written authorization

There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - Equifax- XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. XXXX
Complaint sub-issue: Information belongs to someone else

Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with Macy 's that I did not create. I called Macy 's credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the Macy 's credit card account information the was on my credit monitoring site and mailed it to Macy 's ( XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from Macy 's and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with XXXX ( report XXXX ) I received the dispute results and they say they are not going to remove the Macy 's card from my credit report. They state Macy 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called XXXX at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

- On XX/XX/XXXX, I purchased 1 ticket XXXX {$390.00} XXXX for XXXX XXXX XXXX that is supposed to take place on XX/XX/XXXX, XXXX, XXXX. 
- On XX/XX/XXXX, I purchased 1 ticket XXXX {$520.00} XXXX for XXXX XXXX XXXX that is supposed to take place on XX/XX/XXXX, XXXX, XXXX. 

- On XX/XX/XXXX, due to the pandemic caused by the novel COVID-19 virus, XXXX XXXX XXXX sent out an email " postponing '' the event to XX/XX/XXXX, XXXX, XXXX, which is over 1 year later. I found this to be unreasonable and wanted my money back. 
- On XX/XX/XXXX, I emailed XXXX XXXX XXXX asking for a refund, which they never responded to. I submitted a case using their website. 

- On XX/XX/XXXX, I contacted CitiBank for a dispute due to products not received. CitiBank denied these claims saying that I am responsible because XXXX XXXX XXXX technically did not cancel, but they " postponed '' their event to over 1 year later in XX/XX/XXXX. Although I did not agree with it, I was content with attending in XXXX because I thought I had no other options. 

- On XX/XX/XXXX, I contacted XXXX XXXX XXXX via their email XXXX and inquired about whether or not the event will take place in XXXX, and if it would not, I would like a refund. 
- On XX/XX/XXXX, XXXX XXXX XXXX responded saying that they will release more information soon. The email did not address my request for a refund. 

- On XX/XX/XXXX, XXXX XXXX XXXX " postponed '' the festival to XX/XX/XXXX, XXXX, XXXX. They did not offer refunds. I have not received my purchase for over 2 years at this point. I immediately contacted them through their support page on XX/XX/XXXX to ask for a refund, which they did not respond to. In their new terms of conditions they would like me to agree to, they included a clause that if I accept these terms, I can never get my money back under any circumstances. I refuse to accept these new terms and conditions because I have always wanted my money back. 
- On XX/XX/XXXX, I spoke to XXXX in the Citibank Disputes Department and she helped me reopen both my cases with the new information regarding the event being postponed for another year. 
- On XX/XX/XXXX, I spoke to XXXX in the Citibank Disputes Department and he educated me about faxing my request in. 
- On XX/XX/XXXX, I emailed XXXX XXXX XXXX at XXXX for another refund. 
- On XX/XX/XXXX, XXXX denied my refund even though the event was postponed two years. 
- On XX/XX/XXXX, I called Citi for an update and they instructed me to email the information in. I emailed this information to Citi 's dispute department. 
- On XX/XX/XXXX, Citi responded with a letter stating that they could no longer help me. 

In summary, I have paid for two tickets for an event that was supposed to take place in XX/XX/XXXX. Due to the pandemic, I have not been able to receive the product I purchased for two years. I do not want XXXX XXXX XXXX holding my money for two years, and I have tried multiple times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to ask for a refund, as well as trying to contact Citibank for a refund.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the equifax data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed.

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Complaint sub-issue: Information belongs to someone else

I've sent a letter last XX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.
Complaint sub-issue: Debt is not yours

We canceled our phone plan in XX/XX/2021, after moving to an area where we were " guaranteed '' service and finding out our brand new hotspot and cell phone service was useless. It is evident from the bills that we had not used any data ( because we had canceled and therefore believed our account was closed ) and have all the tracking numbers to the devices that were sent back, after waiting months to receive the shipping kits to return the XXXX devices. Now neither XXXX nor IC Systems have sent us anything to notify us of the debt nor of the impending report to the credit bureaus. We only found out about the collection when it hit my credit report, and although XXXX confirms they have received the devices, IC Systems refuses to concede that the debt is faulty and not mine.
Complaint sub-issue: Funds not handled or disbursed as instructed

I digitally transferred funds from my PNC checking account to another bank. The funds were credited to my account at the other bank but later returned to PNC because the other bank couldnt read the check. In the interim I closed my PNC account so there was no open account to receive the funds at PNC. Instead PNC stated ( on a recorded line ) that they would be mailing the check to me directly. They have not done so. It has been several weeks, and I have called them many times. Ive been told repeatedly that I needed to talk with somebody else or a different department, but nobody ever calls me back. I just want my money to be sent to me now. That shouldnt be too difficult.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 a dispute was initiated with the credit card company. On XX/XX/2022 we sent them proof of receipt of refund from the airline with no actual refund hitting our account. They had taken off the charges prior to the proof then reversed and put the charges back on the card claiming we didnt submit within 40 days. We attempted to reopen the case and were denied.
Complaint sub-issue: Information belongs to someone else

Submitted Police Reports along with FTC identity theft affidavit identity to XXXX ( twice ), XXXX, and Equifax. Equifax, XXXX and XXXX have failed to remove the accounts in a timely manner, and reinserted accounts without proper notificaion *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 


all three bureaus have failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. XXXX, Equifax, and XXXX are clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the accounts, the accounts are still reporting the fraudulent accounts on my credit reports. If they do not remove the account, I will be force to pursue legal action against XXXX.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.
Complaint sub-issue: Fee problem

I signed up for a basic checking account from citibank under the impression that I could avoid the $ XXXX monthly fee if I set up automatic bill pay. This seems to be accurate when I searched my fee history from XX/XX/XXXX-XX/XX/XXXX for the most part ; however, on XX/XX/18, XX/XX/18, and XX/XX/18, I was charged a monthly service fee of {$25.00}. On XX/XX/18, the {$25.00} fee deducted on XX/XX/18 was returned to my checking account. 

I was wondering why Im randomly being charged a $ XXXX monthly fee, as I never signed up ( and would never sign up ) for the the checking account that requires a combined balance of {$10000.00} across various citi accounts. Furthermore, since I have never even met this requirement while being a citi customer, wouldnt I see a $ XXXX  monthly service fee every month? 

I also have never been charged ( from what I can see on the website ) the $ XXXX   monthly service fee either, which I assumed was due to the fact that I made sure to set up automatic bill pay immediately after opening the account to meet the requirements for avoiding the fee for basic checking. 

When I chatted with a representative online, they were unable to provide any relevant information.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not mine

I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..