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

The Credit Bureaus never did a proper " investigation '' on the XXXXXXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason Equifax and XXXX  only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
Complaint sub-issue: Other problem

1. CitiCard misapplied two XXXX 2021 payments to my City Diamond Preferred Card account they had closed ( # XXXX ) due to inactivity, with NO notification to me, giving me a chance to keep this card active. 
2. When I called CitiCard @ XXXX on XXXX @ XXXX XXXX about this problem, she said the card with the misapplied credit balance was closed due to inactivity. She said it would take 3 business days to transfer the misapplied payments to my open Costco Anywhere VISA Card by Citi account ( # XXXX ). 
3. I told her I received no notice my City Diamond Preferred Card would be closed due to inactivity. She said I was sent an email but couldn't tell me the email address, date, etc. I told her I always requested paper copies of all of my credit card statements and all notices. She said, Well, it's closed and can't be reopened without applying for a new credit card, which will adversely affect my credit rating. 

CitiCard should reopen this closed account City Diamond Preferred Card ( with no charges/penalties to me ) since they failed to notify me by mail it could be closed due to inactivity. I also feel that the government should look into CitiCards practice of retaining funds paid on closed accounts. This does not seem legal or ethical.
Complaint sub-issue: Account information incorrect

I have only 2 open credit card on my account a XXXX XXXX card and Surge credit both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second XXXX XXXX is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX  I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Complaint sub-issue: Problem accessing account

I'm trying to link my account to an app that is used for helping out with finances. I'm not the best when it comes to finances and I desperately need the help. I am soon to be married and need to be able to get a grip on my money to better provide for my soon to be wife.
Complaint sub-issue: Public record

I submited a written dispute to the credit bureau and they stated the creditor has verified the accuracy but they have not showed proof of verification. I also have paperwork showing that the information they verified is not true.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.
Complaint sub-issue: Didn't receive notice of right to dispute

I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.
Complaint sub-issue: Old information reappears or never goes away

My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX XXXX - {$1000.00} - XX/XX/XXXX, XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX
Complaint sub-issue: Account status

I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.
Complaint sub-issue: Didn't receive notice of right to dispute

Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.
Complaint sub-issue: Information belongs to someone else

Ive called Equifax & disputed online over and over someone was using my identity to apply for cards and it left hard inquiries and its giving me quite financial hardship I need help please!
Complaint sub-issue: Account information incorrect

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX XXXX, and Equifax all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Complaint sub-issue: Billing problem

ally auto loan account # XXXX vin # XXXX case # XXXX my name is XXXX XXXX at XXXX XXXX XXXX XXXX, Ca XXXX I was happy to pay my loan off early so on XX/XX/2020online on my Ally .com acct I paid XXXX paid off.the same day Ally took the auto payment of XXXX. Since then I have called at lease 6 times at one time the supervisor gave me a case # XXXX to get back my over payment, on the phone now with them and the same story we are reviewing my account today is XX/XX/2020. please help me with this as soon as possible, thankyou
Complaint sub-issue: Their investigation did not fix an error on your report

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
Complaint sub-issue: Account information incorrect

I am filing a complaint against Equifax for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. XXXX XXXX XXXX should have been removed off of my credit in XX/XX/XXXX. I have contacted XXXX XXXX XXXX directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for Equifax. Equifax has been very rude and will not even try to help me resolve this issue. The last time I called XXXX I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that Equifax was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both Equifax and XXXX XXXX XXXX. Equifax did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
Complaint sub-issue: Information belongs to someone else

Remove information listed on my FTC reports!!
Complaint sub-issue: Debt was paid

Outstanding bill for XXXX XXXX was sent to collection agency. I paid it in full but the collection agency is still looking for payment from me.
Complaint sub-issue: Information belongs to someone else

the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX  # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you
Complaint sub-issue: Their investigation did not fix an error on your report

II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m
Complaint sub-issue: Billing dispute for services

Account at Macy 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Complaint sub-issue: Was not notified of investigation status or results

I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit
Complaint sub-issue: Account status incorrect

Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.
Complaint sub-issue: Account status incorrect

# 1 : In XX/XX/XXXX XXXX XXXX reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score. 
To this day, I still have never been notified our account was ever sent to collections. 

# 2 : XXXX XXXX charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.
Complaint sub-issue: Information belongs to someone else

Inaccurate information on credit report.
Complaint sub-issue: Can't close your account

I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.
Complaint sub-issue: Old information reappears or never goes away

I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : 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 an 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 seven 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.