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

On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failureto investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Complaint sub-issue: Information belongs to someone else

XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.
Complaint sub-issue: Problem with fees

On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. 
I will file a Police Report to this as well. Enough is enough.
Complaint sub-issue: Company closed your account

Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX  sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX
Complaint sub-issue: Problem during payment process

I made a payment on the Citi 's credit card payment page from my personal bank account. I copied and pasted the numbers on my computer so there is no way that the numbers were mistyped or off in any way. However, the payment failed to go through even though there were more than sufficient funds to cover the charge. When I tried calling Citi, I wasted an hour of my life on hold only for the call system to hang up on me. I then went to the chat box where the return check fee was reversed but the very kind representative informed me that they were not able to reverse the interest. Even though the interest was only charged due to Citi 's inability to collect a payment from the account that I provided, that I copied / pasted the numbers from and had more than sufficient funds to cover the transaction. This is just the latest in a string of failures from Citi bank. Of course, my time has no value to Citi Bank so they do not care about their failures that have cost me significant amounts of my time. I am looking at a start up XXXXXXXX XXXX  as they tend to actually care about their customers.
Complaint sub-issue: Old information reappears or never goes away

on XX/XX/21 account XXXX was disputed with company XXXX/XXXX  XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.
Complaint sub-issue: Public record information inaccurate

XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Complaint sub-issue: Debt was paid

I paid my last bill with XXXX XXXX on XXXX/XXXX/2013, and that paid for my internet services up until XXXX/XXXX/2013. About a week later ( the week of XXXX XXXX ) I called to cancel my services. The representative asked if I wanted a refund or use the services I paid for up until XXXX/XXXX/2013. I chose to use what I paid for. So at midnight on the night of XXXX/XXXX/2013, they were cancelled. A month later in XXXX, they sent me a full bill for internet with charges for a full month of services with them ( XXXX XXXX ) and a bill for XXXX XXXX. XXXX I had bundled with XXXX, but cancelled the XXXX services in XXXX 2013 and received a refund for the prorated amount. I called to let them know I had already cancelled both services, paid all that I owed, and even got a pro rated refund for the XXXX XXXX XXXX I had n't had since XXXX, but XXXX refused to clear the extra bill. They sent me to collections, I disputed it and it was taken off my credit report. Now that I 've applied for a mortgage and got a copy of my credit report, I see that they re filed the bill through XXXX different collections agencies at the beginning of this year, but I was never notified of this. Looking at the report, it looks like the XXXX company is called, " XXXX '' and the XXXX is called, " AFNI '' which I have never even heard of.
Complaint sub-issue: Their investigation did not fix an error on your report

in accordance with the fair credit reporting act XXXX account XXXX professional debt, 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act XXXX  account 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem

I made a payment for outstanding balance not statement balance so my payment was more than they required for XXXX payment. Instead of applying the payment to the account because I made the payment through a transfer from another one of my bank accounts they put a hold on my payment preventing me from using my card. I was told because the payment came from another account which they said was recently linked so are they discriminating with my other bank? Its a U.S. operated bank from XXXX XXXX XXXX and there shouldnt be any issues. After speaking with a customer service rep he said because I paid more than the statement balance it confused them even though that was the outstanding balance owed. Am I not allowed to pay back the money even when its not the statement balance? There shouldnt be any issues with this. So instead of applying my credit card payment I only have an available credit of {$160.00} instead of what it should be which is {$1400.00}.
Complaint sub-issue: Was not notified of investigation status or results

I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.
Complaint sub-issue: Account information incorrect

XXXX XXXX Credit Card there is no balance or money owed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank has not been protecting my account for a year now. XXXX XXXX has fraudulently overcharged my card an kept deposits that Citibank knew about the whole time, I tried to dispute an Citibank took my money instead an made me pay back the continuous overcharges XXXX  kept doing. XXXX is somehow connected to Citibank an keep charging my card an causing issues with my account that Citibank fails to do anything about. I paid my {$720.00} on my account and Citibank took my {$720.00} an dropped my credit limit to {$300.00} as a penalty an stated I have not made payments in time when my account with Citibank always has been in good standing I have always made my payments on time I have 20 payments made in time before XXXX  fraudulently started charging my card. After me paying someone is still charging my card while my card is locked an Citibank is trying to make me pay on my account after I paid {$720.00} to my account. The customer service representatives are rude an always yelling in the phone m, because Im concerned as to what is going on with my account. XXXX XXXX  keeps attacking me by attacking my account an harassing me. I feel like my credit limit was never dropped an someone is charging my card an Citibank has possibly certain employees who are fraudulently causing these acts to my account for XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I HAVE 0VER XXXX of open credit. i used XXXX on a credit card. Equifax dropped my credit score by 47 points. XXXX dropped it also but by 3 points. I wrote Equifax repeatedly and they think they can do anything they want as you do nothing to them. I want Equifax investigated. If you look at my score and how it has dropped over 40 points many times in the past year for virtually nothing you will see. my name XXXX XXXX. XXXX ... XXXX ... ... XXXX ... ... .I am sick of how Equifax seems to think they can do this to any of us.I give you permission to look at my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.
Complaint sub-issue: Unable to open an account

Date repor ted :  XX/XX/2014  U.S Bank Operations Center   XXXX   XXXX  , MN  XXXX  Account ending :   XXXX    Social  XXXX  The financial Institution has reported me to  XXXX  and I am unable to open accounts at any bank do to this. The a ccount in my name was abused and fraudulently opened by an ex- girlfriend with access to my accounts to support her own downfalls from a bad break up. This was reported on my behalf several times and I have disputed the matter and still have not received any support or help to remove this item. I have no clue or what the abuse or if any amounts are due that I feel I am no liable for at this time. Any assistance would be greatly appreciated!
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.
Complaint sub-issue: Their investigation did not fix an error on your report

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Complaint sub-issue: Reporting company used your report improperly

Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code XXXX 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. 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. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Complaint sub-issue: Old information reappears or never goes away

many inaccurate and old information are reporting under my equifax credit report, these were removed and returned all at once. these are inaccurate and fraud account not belonging to me, the creditors had different address and phone number on file of these accounts that were activated under my name, these do not belong to me, please please have equifax removed all these inaccuracies thank you
Complaint sub-issue: Information is not mine

XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Complaint sub-issue: Fraudulent loan

I understand that a compliant was just filed on this exact company. considering new information this matter needs to be settled immediately. By law EQUIFAX are required to investigate anything that is furnished on my consumer reports. On XX/XX/XXXX EQUIFAX has concluded that this XXXX XXXX XXXX XXXX IS Verified AND ACCURATE. EQUIFAX has failed to share what method was used to investigate this fraudulent auto loan, and how the company concluded that this XXXX XXXX XXXX XXXX is accurate account? I'm aware that EQUIFAX abusing the FCRA law has caused damage to my character and credit file by the company allowing fraudulent accounts to remain on credit. XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate XXXX, Equifax, and XXXX for allegedly failing to address consumer disputes during the pandemic. CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. The subcommittee found that Equifax changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. As a consumer how can I trust EQUIFAX to conduct a thrall investigation and delete negative items. 

COMPLIANT # XXXX EQUIFAX : RESPONSE Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY Trade