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

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXX XXXX and XXXXXXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Complaint sub-issue: Their investigation did not fix an error on your report

I've had an ongoing problem with getting Equifax not actually completing disputes. This previously happened with a dispute I submitted for inaccurate reporting for XXXX. They said they completed the dispute on XX/XX/2019 ; still showing my account was late ( Account History with Status Codes ) However after speaking with the loan officer they informed me, they hadn't received a dispute in over a year. How is this possible? I had to reach back out to Equifax, initiate another dispute, with the email correspondence from my loan officer. At that time a real investigation was completed, and the inaccurate  information was updated. 

They're doing the same thing again. I initiated a dispute with Equifax because some how, Equifax and XXXX are reporting two different date of last activity on a XXXX account. They're 5 months apart. In addition to my concern for the attempt to re-age this account, the credit reporting agencies have a duty to ensure the information they're reporting is accurate and complete. The XXXX AND the Equifax dispute came back VERIFIED. Please see CFPB complaint XXXX for XXXX complaint in regards to this matter. In order to better understand this matter, I asked Equifax to provide me with the description in which the investigation was conducted. They have not. Instead they opened another dispute and verified it. 

XXXX now supposedly owns the debt for XXXX, I submitted for verification and validation, and instead they closed the account. CFPB complaint ID XXXX. 

I asked Equifax for the meas by which their investigation was completed for 4 accounts : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX In response to my request for a description of the investigation they replied with the account be verified and belonging to me ; this is not what I requested. 

It's not fair or legal under the FCRA for these consumer credit reporting agencies to simply put in a 3 digit code in e-oscar, compare a name, an address, or a social and then say the information is accurate. 

When a consumer says the information is inaccurate, an actual investigation to these complaints needs to take place. If an investigation can not be reasonably completed or the information can not be verified, this information is not allowed on the consumer files.
Complaint sub-issue: Other problem

CITI thankyou Preferred offered a free upgrade to CITI thankyou Premiere card which had additional features. They offered a timeline to be able to convert back if your not happy so I converted. After receiving the card and the documentation and reviewing it I realized the card was not beneficial to me, so I canceled the card before use on XXXX XXXX, 2017. I found my CITI thankyou Preferred card not working in late XXXX and notified CITI Bank cards that my card was not working and they indicated to me that the card was cancelled since it was converted over to CITI thankyou Premiere. I notified them and after some time they told me the card could n't be converted back. I told them it was n't my fault and I was following the guidelines put forth by CITI Bank and they just said there was nothing they could do. They forced me over to CITI Premiere since it has a annual fee of close to {$100.00} for just an additional point on the same purchases you can gain on CITI Thankyou Preferred. I feel that CITI Bank used deceptive practices to remove people from CITI thankyou Preferred card. Now I have to pay off this credit card by the first annual payment day and cancel the card, as I will do.
Complaint sub-issue: Account information incorrect

An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Complaint sub-issue: Company closed your account

On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. 

Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.
Complaint sub-issue: Deposits and withdrawals

I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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.
Complaint sub-issue: Account status incorrect

I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

Equifax does not employ Americans and forces me to give my personal info to people in XXXX and XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
Complaint sub-issue: Information belongs to someone else

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Complaint sub-issue: Old information reappears or never goes away

Account # XXXX I had a loan with Fed loan. The loan amount was taken out of my taxes years ago but it still remains on my credit report. Please remove ASAP. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent documents to verify my accounts and itt been over two months and my credit file hasnt been updated
Complaint sub-issue: Debt was result of identity theft

I am the victim of identity theft. It was a 'phone porting ' scam whereby my previous cell phone number was ported illegally from XXXX XXXX XXXX to XXXX . The scammer was then in control of my old phone number ( XXXX ) and used it and other of my personal information to hack bank accounts and create credit accounts. The phone number was also used for ride-sharing service, XXXX. Several rides were taken and charged to my account. I have contacted XXXX and the identity theft is known by them. I have been receiving repeated billing from a debt collector working for XXXX, TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX GA XXXX. I have reported the fraud to TRS through their website.
Complaint sub-issue: Their investigation did not fix an error on your report

My consumer privacy has been violated and inaccurate accounts that have been noted are being reported. Please see attachment.
Complaint sub-issue: Application denied

my consumer rights were violated by Elan Financial services. I XXXX XXXX applied to enter into a consumer credit transaction with Elan financial services which was denied. as a result of this adverse action Elan financial services is in violation of 15 USC 1602p which defines the term unauthorized use as meaning the use of a credit card ( my ssn ) by a person ( your company ), other than the cardholder ( me ), who does not have actual, implied, or apparent authority for such use, and from which the cardholder ( me ) receives no benefit. 

And as a result of this adverse action this has negatively impaired my credit and gave me no benefit.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance : {$990.00}
Complaint sub-issue: Reporting company used your report improperly

Called Citi ( account ending XXXX XXXX to request an account review for credit limit increase. When I asked if they would be making an inquiry into my credit report I told them that I was not interested with proceeding with the credit limit increase request ( I have a high credit score and do not want a " hard inquiry '' ). They proceeded to make an inquiry against my direction. Now I have an additional inquiry on my credit report that I did not request which resulted in a lowered credit score causing financial harm.
Complaint sub-issue: Problem during payment process

I need a payment waiver. I am still affected by XXXX XXXX. I need help. I am not calling back XX/XX/XXXX my payment is due XX/XX/XXXX. The hold times are over 3 hours long. All my other citibank card payment request were processed online
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these 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, XXXX XXXX, XXXX XXXX XXXX. 
Company 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 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