Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I had another account dispute open, it was closed. All my accounts are update, as the rep explained to me. I received 2 different emails for each card saying they are working, for use. Today I tried to use one of the cards again decline, they man at the gas pump say let him try and decline. Call upgrade, they say all accounts are current, they see the decline, the cards are active. They need more time to fix the issue. I hold off on paying one of my accounts until they fix all my accounts. Right after they said they were fixed, I paidnthenlast account just to find out my still being declined for cards that are automatically paid.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past several months I've been in contact with XXXX, Equifax, and XXXX  in regards to a medical collection account reporting under the name of XXXX XXXX  located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. Equifax and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my Equifax and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is XXXX XXXX  XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and XXXX XXXX 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Complaint sub-issue: Their investigation did not fix an error on your report

The disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX RETAIL Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called equifax again on XX/XX/20 and spoke with an agent with agent ID number ID NUMBER XXXX. I have wrote this company several times about not being able to see my credit file. I have submitted several disputes over the last few months and I have also submitted via A previous complaint both my drivers license and social security card as proof of identity. I have been denied my credit report online and over the phone. I was told over the phone I ned to send in my drivers license AGAIN because it expires every three months. I attempted to log onto the web portial to check my dispute status and it has my file completely blank and shows nothing. I have attached both my social security card and my DL yet again and I am requesting that these documents be left on file so that I do not have to provide them over and over again to view my own consumer report. I am also requesting A free credit report be mailed to me for my viewing since I have not been updated via mail on any of my disputes! I would like to be able to call and speak with A representive over the phone and not have any issues with doing so or being forced to file A complaint just to speak to someone. It is beyond crazy that I have to do such things just to have A converstion with someone about my consumer report. MAKE MY CREDIT FILE AVAILABLE FOR ME TO VIEW ONLINE AND FOR ME TO SPEAK WITH SOMEONE OVER THE PHONE!!!!!!
Complaint sub-issue: Reporting company used your report improperly

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

XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I submitted a complaint with the CFPB on XX/XX/19 regarding a dispute of erroneous information found on my credit report that I mailed to Equifax on XX/XX/19. I did not receive any response from Equifax regarding my dispute which was received by the company of XX/XX/19. I sent a follow up letter to Equifax on XX/XX/19 that it had been more than 30 days and I had not received any results from my dispute of the unverified accounts. Upon receiving the complaint from CFPB, Equifax stated on XX/XX/19 that they initiated an investigation into the items, and it would take 30 days to complete. As of today XX/XX/19 it has been over 30 days from my dispute with CFPB and I have not received any results from my original dispute directly with Equifax on XX/XX/19, nor have I received a response from Equifax per my complaint submitted on XX/XX/19. Despite my written requests and complaints filed with CFBPP, the unverified items listed below still remain on my credit report in violation of Federal Law. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish which has been detrimental to my credit reports. I demand that all references accounts must be deleted and completely removed from my credit report. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX and Account # XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXX XXXX  Date XX/XX/2019 - not authorized by myself.
Complaint sub-issue: No notice of investigation status/result

XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Bankruptcy showing on credit report that does not belong to me. This was reported several times to Equifax and XXXX, XXXX This account does not belong to me
Complaint sub-issue: Company closed your account

This Complaint is against Citibank regarding my credit card account that I have had since XXXX. After 32 years, Citibank issued be a letter informing me they are not reissuing my card upon its expiration in XX/XX/XXXX. Citibank has stated it is due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action was taken regarding my Costco credit card for which I will also be filing a Complaint. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. 

I have never been late or missed a payment on my credit cards- the longest of which is the subject of this Complaint for 32 years. I also have no history of bankruptcy. 

Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a Home Depot check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. 

Citibank 's recent action of which I was notified on XX/XX/XXXX, is unreasonable and places my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX with a history of on-time payments and loyalty.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also State a Consumer Reporting Agency Can not Furnish a Account without my written Instructions.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Charged too much interest

Macy 's is charging unfair interest or fees. On several occasions I have been charged a {$2.00} fee despite having a {$0.00} balance. Latest example : My XXXX statement indicated a balance of {$240.00} due by by XX/XX/2022. 

Payment in full was sent via the Macy 's website on XX/XX/2022. 

XXXX statement says the account has a {$2.00} balance in " fees ''. 

I called the number on the statement and questioned the reason for the charge and was told it was interest. I questioned how it can be interest on a zero balance and the representative responded the charge would be removed. 

This has occurred multiple times with this credit card. While I have been able to have the charge removed, I question how many other consumers simply don't realize that the fee is charged and I urge the Consumer Financial Bureau to investigate.
Complaint sub-issue: Account information incorrect

Hello, I have disputed with Equifax, XXXX  and XXXX  erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.
Complaint sub-issue: Personal information incorrect

I have disputed with Equifax about getting these inquiries removed because the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX L 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX I need these removed as soon as possible. I had no problem with XXXX   removing them. Please help me. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Complaint sub-issue: Banking errors

On  XXXX   XXXX ,  XXXX  we inquired about opening a business checking account at  PNC Bank   XXXX , VA branch. The loan officer,  XXXX   XXXX  took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without  them ). U pon receiving them, we forwarded to the bank and I called and spoke with the  manager  around the unprofessional nature and questionable actions taken by  XXXX  including missing debit cards, mis-handled personal information written in a notebook etc.  Subsequently  on  XXXX   XXXX ,  XXXX  I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if  XXXX  might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with  XXXX   XXXX  in Executive Client Relations Case Reference :  XXXX . I spoke with  XXXX   XXXX  and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from  XXXX   XXXX  was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of  PNC  Bank since  XXXX  and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com
Complaint sub-issue: Information belongs to someone else

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX forward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the 3 time I have requested my personal info be updated. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Have 2 credit inquires that i believe its fraud The First One is by Best Buy credit card services Second one is by XXXX XXXX credit service never applied for any of these credit cards to have inquires from these companys can you help please thanks
Complaint sub-issue: Account status incorrect

A few days ago Nelnet reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.
Complaint sub-issue: Public record information inaccurate

Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :XX/XX/XXXX