Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX  is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. Equifax is reporting the same as XXXX, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.
Complaint sub-issue: Information belongs to someone else

This is in response to the attached letter sent to me by Equifax.My evening number is : XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have sent several letters to Equifax asking them to update my credit history to match that of the other reporting companies and they have not made any changes resulting in a score thats way beneath the others. This continues to hurt my overall score because of their neglect to stay up to date.
Complaint sub-issue: Debt was paid

XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.
Complaint sub-issue: Reporting company used your report improperly

Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.
Complaint sub-issue: Funds not received from closed account

Im relocated from XXXX to Texas. My contract will end XXXX, XXXX, XXXX and Im about to leave the US. My last day in Texas will be XXXX, XXXX. 
I opened a Citi Credit Card account in XXXX and opened a Citi XXXX XXXX XXXX as well. I put a deposit of {$10000.00} on this account. 
In preparation for my return to XXXX I canceled this account on XXXX, XXXX over the phone. 
The representative told me that Citi will send me a check during the next 10-15 business days.

Unfortunately, this check never arrived. I tried to get this resolved using the Citi chat and I called the Citi Customer Service line at XXXX XXXX at least XXXX times. 
At one of the last calls a representative told me to call again the next day to get my problem resolved and I did this. The next representative told me, that he is not able to find any information about the previous call. I asked him to talk to a manger about my problem. He told me that all managers are busy and somebody will call me back the next day. This call never happened. 
I called again today and talked to a representative that was very hard to understand at all. I asked the representative to expedite a check to me over night or maybe during the next 3 days. 
One person told me to go to a Citi branch. However, there is no Citi branch in Texas at all and there is no branch in the neighbor states. 
I dont think that somebody is working on a solution for my problem.
Complaint sub-issue: Problem during payment process

Hello, I have a Costco Citi Visa. I usually make my payments through the phone. However, I decided to download the app and make payments online. I made a XXXX payment using my checking account and routing number. A week later I received an email day the bank didnt recognize the account. I immediately called Citi. Together the Citi rep and I called the bank immediately and verified that there was plenty of funds. The first Citi Rep checked and confirmed the account was the same checking account number that I used for pervious payments and didnt know why that happened. So while I was on the phone with her I made an XXXX payment over the phone. 

I tried using card and it didnt work. I called and the Citi Rep said I had to wait 48 hours. I waited 48 and checked my account to make sure funds were cleared. Again declined.

Called again they said there was a hold on my account for another two weeks due to the returned check. 
After a much to long conversation, we called bank again verified that the XXXX was cleared and Citi rep said they would get the hold off In a few hours as well as credit the {$29.00} return check charge. 

This morning a called to double check and the automated service said my account was closed!! As you can imagine how very upsetting this was for me. I called for the 3rd time and spoke to the supervisor of the supervisor. Again after a much to long conversation he said he would put In a review request to reopen account. 

I feel that the online payment system is flawed. It shouldnt accept an incorrect account number. How was I to know I keyed in 1 wrong number. I went on the app to find where I had keyed in the wrong number it only shows last 4 digits so I couldnt verify the number myself. At that point I had to cancel the monthly automatic payment I set up in fear it was the wrong number. 

Lastly, I just tried to log in my account to see what online payments I set up with other providers/vendors were paid and they locked me out!!! 

The way Citi Costco has handled this situation On tip of closing my account is so wrong in so many ways. 

1 ) The closer will negatively affect my credit score 2 ) in order to requests the account be reopened they will have to do a credit inquiry which will also negatively affect my credit 3 ) I had set up many of my payments for auto pay with this card that I now have to cancel 4 ) it has been humiliating getting calls from medical providers and vendors for declined payment. 
I hope you can help me and get Citi to change their online app payment protocol. I cant imagine I am the only one who has accidentally entered one wrong number of their account number I can choose to walk away, let it go and apply for a new card but I feel that this business practice is wrong and hurts customers. Not to mention we are in the middle of a pandemic and it would be nice if they could provide better business practice!
Complaint sub-issue: Didn't receive terms that were advertised

I am a citi bank credit card client. I logged in and they offered me a bonus to open a checking account. I clicked on the link and signed up for the account and funded it the min {$5000.00} to get the {$250.00} bonus they offered me. 

Mon, XX/XX/XXXX, XXXX XXXX  XXXX, welcome to your Citibank account Hi, XXXX. Your application is approved - thanks for choosing Citi. If you haven't already, make a deposit into your new account so you can start enjoying fast, easy everyday banking. 
I called in XXXX and asked where my bonus was and the rep told me it would come in XXXX. I called in XXXX and they said I needed to call back during the week to get help, but what was my bonus code. 

I called back today and no help again. 
I am told only a dispute can be submitted but with no code no dispute. 
I dont have a code. I clicked on a link on my log in page. 
This is complete fraud and consumer deception! 
This has to be illegal. No one will help me at Citi. 
All I get is where is your code? 
I did not wake up on XXXX  day XXXX and say lets open a citi savings account today. 
Nice way to treat someone that has been a client since XXXX with the bank. 

The world needs to know that Citi Bank is a company that frauds customers of what they promised and does not care or have any way to escalate a mistake on their end.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

1. NCP FINANCE OH  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX
Complaint sub-issue: Reporting company used your report improperly

1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX an account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, Equifax, and XXXX who are still reporting fraudulent information on my credit file.
Complaint sub-issue: Information belongs to someone else

An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.
Complaint sub-issue: Not given enough info to verify debt

When I called to clear debt the company had XXXX information about the debt
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX REMOVED A NAGATIVE ACCOUNT FROM MY CREDIT REPORT THEN ADDED IT BACK A WEEK LATER. 
EQUIFAX SENT ME A LETTER SAYING THAT THEY WOULD REMOVE ( XXXX XXXX XXXX ) FROM MY REPORT THEN THEY ADDED IT BACK AGAIN WHICH IS ILLEGAL TO DO. PLEASE REMOVE THE FRAUFULENT ACCOUNT AGAIN FROM MY REPORTI IS ILLEGAL TO REMOVE A DISPUTED IACCOUNT THEN ADD IT BACK AGAIN AFTER IT WAS REMOVED LEGALLY. 
PLEASE REMOVE THE FRAUD ACCOUNT THAT WAS ASSOCIATED WITH THE FRAUD ADDRESS. XXXX XXXX XXXX IS LISTED IN MY CLOSED ACCOUNTS AND THIS ACCOUNT IS NOT MINE.
Complaint sub-issue: Debt was result of identity theft

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation
Complaint sub-issue: Billing problem

US Bank continues to deduct interest from my extra principle only payments! Each payment has principle only in the memo section but is applied as a regular payment. I have had to call each month to correct the error. It seems purposefully on their part to collect extra interest.
Complaint sub-issue: Other problem getting your report or credit score

This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.