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

I am submitting this CFPB complaint in regards to the erroneous accounts being reported by the Credit Bureaus on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously submitted a CFPB Complaint last XX/XX/2022, requesting the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureaus chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : 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: Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$21000.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX   XXXX {$4000.00}
Complaint sub-issue: Frequent or repeated calls

Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting a unauthorized collection account on my consumer report. I did not consent to this item XXXX XXXX XXXX XXXX placed on my consumer report. My consumer report is my privacy and I feel i'm being taken advantage of and its embarrassing when I apply for credit and potential creditors see this unauthorized collection there.
Complaint sub-issue: Information belongs to someone else

Unauthorized accounts have been reported on my credit report as an inquire on XX/XX/XXXX, XX/XX/XXXX. No action were taken by the company.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried XXXX times submitting the XXXX attached XXXX reports to XXXX, XXXX and Equifax via XXXX XXXX XXXXXXXX and none of the companies are taking any action. I need the following XXXX  reports processed ASAP.
Complaint sub-issue: Debt is not yours

I have made SEVERAL attempts to contact this company about the name that is listed on an account! After basically being ignored I filed a XXXX complaint. Whomever responded to that complaint lies and said that I have never contacted them about this situation. Thats a lie. I will upload the screenshot! They accused me of having a relative named XXXX XXXX which I do not! Now quad allegedly ask you for the last XXXX of your social as a way of identifying you! If that is the case then there is no way they would have matched social to the name that they have listed. She made it seem as if I were trying to open an account which I was not. Their response was accusatory and disgusting. Especially considering that the responder lies about me not having contacted them.
Complaint sub-issue: Account information incorrect

XXXX  XXXX Balance Owed : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Complaint sub-issue: Need information about your loan balance or loan terms

Since XXXX XXXX, I have attempted to obtain an estimated fixed repayment plan. I have been told they do n't give out fixed rate info in writing but can give it verbally. This has caused me issues with obtaining a mortgage loan. Without this information the lender is using 1 % of the total loan as a fixed rate. I am working on a XXXX that has been difficult to complete. My loan amount is $ XXXX. There is no way I would ever be able to afford a {$1900.00} or a $ XXXX XXXX payment. There is no negotiating with the fixed repayment plan. {$1900.00} places me at almost 50 % of my income. I am on the XXXX XXXX XXXX XXXX XXXX they suggest that I come off & get a letter for fixed, place in forebearance, & change it back. Although this will not help with payments that I have made under the public service plan.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I changed my address I did not receive any statements in the mail. On top of that they trashed my credit score over a small amount of money. When I worked extremely hard to sustain my scores. Its not fair I got no statement in mail. I changed my address with the manager XXXX XXXX. In XXXX pa My mother pays my bill because she holds this card. Its not fair I got my credit trashed with out being warranted of the statement that I never received.
Complaint sub-issue: Charged too much interest

I had 2 promotional balances one that was to expire on XX/XX/XXXX ( XXXX call this # XXXX ) and one that expires in XX/XX/XXXX ( XXXX call this # XXXX ). I allocated all of my payments after the minimum payment to the promotional balance that was to expire in XXXX ( # XXXX ). This allocation was made on XX/XX/XXXX. The promotional balance for # 1 was {$99.00} prior to an extra payment of {$100.00} that was made on XX/XX/XXXX and should have completed promotional balance # 1. However somehow that {$100.00} payment was applied to promotional balance # 2 erroneously. I call Citibank 4 times, the first time was in XXXX ( around the XXXX ) after the payment was made, to ensure the payment made was allocated to the correct balance, I was assured it would be. The second call was early XXXX when I noticed it indeed was not allocated to the correct promotional balance. I was told it would take about 2 weeks but it would be fixed. I then called a third time on XX/XX/XXXX and spoke to a XXXX named XXXX, because it was still not corrected. I was on the phone with her for over an hour to get this fixed to make sure I wouldnt be charged the interest for this promotional balance. XXXX told me it would take a couple more weeks for this to be resolved but I should see it fixed on my next statement. I expressed concern because I had been trying to get this fixed for well over a month and when I get my next statement it would be past the expiration date of the promotional period. She told me not to worry because it is documented that I have been trying to remedy the situation for a month and a half that Citibank would make sure I wouldnt be charged the interest associated with this promo balance. To my dismay when I looked at my statement on XX/XX/XXXX, I was in fact charged the interest for this promotional balance that was supposed to be paid off on XX/XX/XXXX. I called Citibank again today and spoke with a woman named XXXX XXXX her ID number is XXXX ) XX/XX/XXXX and explained the situation for the fourth time and was then told there was nothing they could do except to give me a mailing address with a XXXX XXXX XXXX send a letter and file a complaint. This is not the first time Ive had a misallocation of funds from this bank. The exact same thing happened last year as well. Luckily I have always kept meticulous records and they were able to fix the situation last year but somehow this year they are unable to fix the issue. My promotional balance that was to expire on XX/XX/XXXX shouldve been zeroed out on XX/XX/XXXX and I should not have been charged the interest for that balance. I have a big concern for not only myself but for other customers that are not as attentive to their finances as I am. Please help me with this issue and hopefully this will deter them from doing this to others. 
Sincerely, XXXX XXXX
Complaint sub-issue: Received bad information about my loan

I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Dear Citi Executive Response Unit : I received your letter dated XX/XX/XXXX ( see attachment ) in regards to the dispute for {$130.00} dated XX/XX/XXXX. I notified Citi immediately as soon as I saw the charge on my Account as per the cardmember agreement that I did not authorize this transaction ; yet Citi did not do anything to protect my account from the unauthorized charge. This is a breach of the agreement by Citi. If this transaction is not removed from my account immediately within 10 business days, I will be pursuing alternative options of resolution outside of Citi for resolution. 
Sincerely, XXXX XXXX, XXXX, XXXX.
Complaint sub-issue: Cashing a check

Fake checks written out using my address but also at the heading of check. XXXX XXXX XXXX Was the name of the check. First one used at a XXXX in Kentucky. Second was a XXXX 's or XXXX XXXX in North Carolina. I'm not associated with the XXXX XXXX group.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect information.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''
Complaint sub-issue: Reporting company used your report improperly

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I paid for services / goods to XXXX through my Citi bank account on XX/XX/2020 the amount was {$170.00} on my bank statement. Citi bank altered the amount to {$92.00} which is incorrect I have a screen shot. I spent {$78.00} for Handy Services from XXXX I had to go elsewhere locally to pay for a TV Mounting neither XXXX or Citibank refunded my {$78.00}
Complaint sub-issue: Was not notified of investigation status or results

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 


View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer " none of the above '' to every one of the questions.

I then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. 
EQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. 
They initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had " NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX  ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.

This is their response to accessing the dispute on-line ...

We are currently unable to process your request!

The information you have provided does not match our records ; therefore we are unable to process your request online.

Please try again later or submit your request via our secure Web Email dispute form.

Then I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

Company is reporting my account as a charge off and the account is open and was paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Fraudulent account on my credit report. XXXX XXXX XXXX account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.
Complaint sub-issue: Investigation took more than 30 days

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Complaint sub-issue: Company closed your account

I was approved of a Citi XXXX credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. 
The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. 
On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. 
I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. 
This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.