Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Complaint sub-issue: Not given enough info to verify debt

CitiFinancial is reporting to XXXX that I owe them {$7100.00} from an installment loan that supposedly went into collections back in 2011. For well over a year, I have been trying to contact them to resolve this loan, but they continuously give me no avenue for resolution. I filed a complaint with your office back in XXXX of this year asking for your help in getting CitiFinancial to speak with me about resolving this debt. We received a response from Citi regarding who to contact to get this matter resolved, but 6 months later, we are no closer to getting this matter resolved. Despite countless attempts to contact Citi, I either get no response or notification that they do not have that account number on file. Quite simply put, CitiFinancial is holding my credit report hostage. They are reporting an unresolved collection account on my credit report, and simultaneously providing no avenue for resolution. I am going to be uploading XXXX documents. The first is a snap-shot of how CitiFinancial is reporting this debt to XXXX The XXXX is the response I received through your office from our XXXX complaint. The third is the latest response I received from Citi. Once again, they are back to stating that they have no record of the account, or can find no record of the account with the account numbers THEY are providing.
Complaint sub-issue: Personal information incorrect

There has been four hard inquiries in the month of XXXX which has impacted my credit score on Equifax. The first mistake was a report of secondary account opened at XXXX, I was easily able to dispute this problem which decreased my credit score by XXXX points I called the bank immediately and found no other account open under my name which I reported to Equifax, the second inquires were back to back in the order of XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/25 ), XXXX XXXX XXXX  ( XX/XX/25 ) and XXXX XXXX XXXX ( XX/XX/25 ). I called Equifax immediately about these inquires and were met with unhelpful responses, which lead me to ask more questions such as l, whats the name on this account. This inquire turned out on their system that Equifax combined my brothers name with my account, I have explained throughly this is not possible since I have had my account longer then his, they are aware this is their mistake but refuse to do anything about it other then to send in my SS card, Driver license and letter of why Im requesting this change. After doing this they still will not remove the inquires though they have made the mistake in the first place. All the other bureaus have not made this mistake and are reporting correctly.
Complaint sub-issue: Problem with statement of dispute

Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

Please see attached
Complaint sub-issue: Account information incorrect

Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. Equifax is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.
Complaint sub-issue: Information belongs to someone else

Data breach information compromised. Don't recognize account
Complaint sub-issue: Overdrafts and overdraft fees

I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal. 
The opening and closing balances were positive on that day.
Complaint sub-issue: Account information incorrect

Secured credit card FIRST PROGRESS CARD states a charge off but card was secured with my deposit of {$300.00} and account was closed. Incorrect reporting Account closed in 2016
Complaint sub-issue: Charged too much interest

My credit card with Citi has a 0 % APR rate sale so all new Purchases for the past few months should be eligible for 0 % APR and {$0.00} interest. I also have a Citi XXXX XXXX on account which is at 0 % APR and {$0.00} fees. I however was assessed XXXX cents min interest charge this month even though I paid my min pay due on time via Auto pay. the min interest charge is disclosed as a fee per Card Act but is essentially a flat interest the Bank can charge when the amount of calculated interest is less than XXXX cents.
Complaint sub-issue: Account information incorrect

I have not initiated any transaction with CBNA. Further, I do not have an " account '' as defined under 15 U.S.C 1693a ( 2 ) with CBNA for review or collection.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Complaint sub-issue: Can't use card to make purchases

I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee
Complaint sub-issue: Company closed your account

I went in branch and closed my account in XXXX. Got my ledger too! And the check for my funds. 
The account is not closed! They just gave me a fee so I'm at negative balance somehow! 
I even have all calls with them recorded about closing the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Medical XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? 
I have filed a dispute with Transunion ( file # XXXX ),  XXXX and just now written a letter to Afni but it may not have had time to get there. 
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? 
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.
Complaint sub-issue: Debt was paid

Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Complaint sub-issue: Other problem getting your report or credit score

I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.
Complaint sub-issue: Old information reappears or never goes away

I was denied credit for due to a collections account that was removed from my credit record. 

Any collections that appeared on your report in the last 24 months are considered derogatory regardless of whether they were yours or not - XXXX representative I believe this is illegal. Not sure if am filling the complaint with the right agency though.
Complaint sub-issue: Investigation took more than 30 days

I've been disputing certain accounts on my credit for 6 months, and Equifax has done nothing to validate the accounts that I have disputed! I have never seen investigation results, I have never gotten any credit reports, I have never received a single update from Equifax. It's like they are completely ignoring me, and I can not stand it any more!
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on XXXX, XXXX, EQUIFAX for reporting false and misleading information and they are committing fraud by doing so!
Complaint sub-issue: Account status incorrect

equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Complaint sub-issue: Problem with fees

Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.
Complaint sub-issue: Account information incorrect

I have written to XXXX, PROG MGT SYS, and XXXX XXXXXXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.
Complaint sub-issue: Account status incorrect

XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.
Complaint sub-issue: Was not notified of investigation status or results

I have alot of inquiries that are not authorized by me and a few other accounts that are not reporting correctly. There is a letter attached
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both Equifax, XXXX, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

Equifax is reporting a fraudulent account with XXXX XXXX XXXX  is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was billed three consecutive months by XXXX for ads i did not place. when i contacted XXXX in XXXX they said ads were for health spas. when we advised that we are a jewelry store and never have advertised such products they advised to dispute charges with Citibank. The charges were XX/XX/XXXX {$190.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$390.00} total {$910.00}. I disputed all charges with Citibank. They finally responded in late XXXX declining my dispute. Their response from XXXX was that XXXX XXXX represents my company and placed the ads with my credit card #. As proof they showed previous transactions from XXXX when he was my ad agent. we stopped doing business with XXXX XXXX at the end of XXXX. My credit card number has been changed since then and he was not provided with our new number. I asked Citibank how it was possible for XXXX to charge my account with an old obsolete Number. They have not answered. I tried calling Citibank on XX/XX/XXXX and after being on hold for one hour and 17 minutes, gave up and emailed my letter to XXXX. They have not responded. I contacted XXXX XXXX and he insists that he is billed monthly for his ad agency advertising with XXXX directly. He followed up our discussion with an email certifying he did not use my card nor does he have access to my credit card info. Citibank has ignored my claims and XXXX is hiding their error by claiming previous business transactions from 4 years ago!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with XXXX XXXX bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.
Complaint sub-issue: Debt is not yours

This account was removed from my credit report 3 times, and each time it was reincerted, it also was REAGED with a different open date.I never received the mandatory 5 day letter in the mail prior to reincerting this on my credit report. 
This is a clear violation of my right to only have accurate info reporting on my credit report. I do NOT owe this company anything.
Complaint sub-issue: Account information incorrect

I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022, I received suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. 

As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. 

They keep charging me and making threats to report the credit companies. 

Every time I try to contact the company no one seems to know about the issue. 

The company has removed the option from the online banking app to file a challenge to the charges.
Complaint sub-issue: Personal information incorrect

I have sent numerous request via U.S. Mail requesting for Equifax and XXXX to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my XXXX and Equifax credit report. I want the fraud alerts deleted and removed from my Equifax and XXXX credit report.