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

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site  if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the late payment status reported on XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Called before 8am or after 9pm

This business frequently calls around XXXX XXXX. I have explained to them I do not live in GA and I live in AZ. I have updated my address, I have a mail forward and I even made sure my address was correct on my credit report.
Complaint sub-issue: Account status incorrect

I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed with the 3 major credit bureaus about my 2 old accounts with XXXX XXXX on XX/XX/XXXX and received my results from Equifax as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with XXXX XXXX on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. Equifax stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.
Complaint sub-issue: Other problem getting your report or credit score

The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Complaint sub-issue: Account information incorrect

I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on Equifax, XXXX, and XXXX  for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXXN XXXX {$18000.00} XXXX XXXX   XXXX  XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT ED/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$320.00} DEPTEDXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for Discover Bank their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX. XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 All these inquiries on equifax report which are from identity fraud nwithwr companybor bureau will not remove them whenbi did not do these no id or my signature to approve this Attaches is mm y identity theft to cpfb on the companies which have no address or anything to contact them
Complaint sub-issue: Old information reappears or never goes away

Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!
Complaint sub-issue: Their investigation did not fix an error on your report

This is 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 Equifax 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 Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

The accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXXXXXX ( 3 ) Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX 15 US Code 1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason.

2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXXXXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}. Inquiry : XXXX XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. 

Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. 

Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. 

Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again their message included " Reply STOP to end. '' I replied STOP today in response. 

I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. 

I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.
Complaint sub-issue: Problem using a debit or ATM card

I became a victim of fraud under false pretense, I think this is more common than we all know about. I was speaking to this man who was in the XXXX and advised the government was sending money to help him. This man eventually obtained my account information, login information, physical address. He took over my accounts, deposited checks, and caused a negative balance in two of my accounts. He also sent 10 XXXX to my address which was then sent to an address. My XXXX account balance was outrageous due to this. XXXX quickly addressed the fraud matter, removed the fraud charges and my account is back to normal. My two bank accounts have not been resolved, They are treating me like a criminal. They want me to pay everything back and keep saying everything is my fault. They are not communicating with me except to collect money. WHO PROTECTS ME, makes you never want to trust a bank ever!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft and have worked with all the reporting agencies and creditors to resolve these issues. I have been making progress in getting the proof to the creditors and credit agencies to resolve the issue with the XXXX. Equifax has been presented with all the evidence the other reporting agencies were and has still yet to address the issue. Furthermore, after knowing there was a fraud alert on my credit report, Equifax has allowed the following inquiries into my credit report without an investigation after numerous attempts to remove these inaccurate inquiries have gone unresponded too XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX .. on XX/XX/XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I just cancelled my XXXX XXXX and I did not know this was an optional service, otherwise I would have denied this service upon original charge. This is deceptive banking practices and doesn't even come up as a charge, but rather a fee on my statement. I would like to be refunded the entire amount I have been charged for this deceptive practice. It even says " PROTECTION FOR YOUR ACCOUNT! '' under this charge.
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 USC 1681. 

Accounts in violation : 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 No account number listed 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.
Complaint sub-issue: Threatened to sue you for very old debt

I answered a phone call at XXXX on XX/XX/XXXX, the person on the phone identified himself as XXXX XXXX XXXX He told me that I was being sued and that they were unsuccessful in serving me a court order. When I asked him what I was being sued for, he told me he was unable to tell me and that I needed to call the attorney that was suing me. I did not have a pen to take down the phone # to call at that exact moment, so he called back and left a message with a phone number XXXX, a case # XXXX and the attorney 's name, XXXX XXXX, and said that he was placing my account on a temporary hold to " avoid any legal issues or concerns. '' After retrieving the message, I immediately called the number and provided them with the case number. I was transferred to a woman who identified herself as a paralegal. She then proceeded to try to get me to identify myself again and I told her, " I already gave you that information why are you asking me for that information again? '' She then proceeded to state my name and social security number. And said that I was being sued and that my wages were going to be garnished. I stopped her and asked her what I was being sued for. She stated that XXXX was suing me for an amount in excess of {$44000.00}, to which I told her that she has the wrong person and that that the debt is not mine. I told her to send me the paperwork proving I owe this amount, and she kept stating that she needed me to confirm my social security number to confirm that I owed the debt. I kept telling her that this debt was not mine and she said that they were filing a document to garnish my wages. I recently checked my credit report and there are NO delinquent accounts on my credit report and I have no idea what she was talking about but apparently I'm being sued and my wages will be garnished soon. I called back because I realized, I had no idea what company this was, and I was told the name of the company is DAS ( Direct Answering Solutions ). I could not find any information regarding this company via a XXXX search or the attorney XXXX XXXX.