vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Business Account Closure and Missing Funds To Whom It May Concern, I am writing to formally report an issue regarding my business account with Citibank, which was abruptly closed without notice. Despite my repeated inquiries, Citibank has failed to return deposits totaling over {$200000.00}. When I requested clarification on the status of my funds, I was informed that the account had no funds remaining. However, I possess bank statements, deposit and withdrawal records, and ATM receipts that clearly document the existence of these funds. 

I believe that my treatment in this matter is unjust and potentially discriminatory, as I am a XXXX XXXX business owner. The lack of transparency and failure to provide a resolution regarding my missing funds has caused significant financial and operational hardship. I am requesting a thorough investigation into this matter and the immediate return of my deposited funds. 

Please provide a prompt response outlining the steps that will be taken to resolve this issue. I look forward to your immediate attention and cooperation in rectifying this situation. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
there was a breach of security within the federal government by XXXX and XXXX XXXX. my personal info was obtained and retained illegally without my knowledge or consent. My info may have been shared without authorization. there was a failure to implement date security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
there was a breach of security within the federal government by XXXX and XXXX XXXX. my personal info was obtained and retained illegally without my knowledge or consent. My info may have been shared without authorization. there was a failure to implement date security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
there was a breach of security within the federal government by XXXX and XXXX XXXX. my personal info was obtained and retained illegally without my knowledge or consent. My info may have been shared without authorization. there was a failure to implement date security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Request for Immediate Deletion of Two XXXX XXXX XXXX XXXX  Accounts To Whom It May Concern, I am formally disputing the reporting of two XXXX XXXX XXXX XXXX XXXX accounts on my Equifax credit report. These accounts are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which states that derogatory accounts can not be reported beyond seven years from the date of first delinquency. 

I stopped making payments on these accounts over eight years ago, yet XXXX XXXX XXXX  is falsely reporting recent activity to manipulate the Date of Last Payment and artificially extend the reporting period. This practice, known as re-aging, is a direct violation of the FCRA. 

Pursuant to 15 U.S.C. 1681i, I request an immediate investigation into this inaccurate reporting. If XXXX XXXX XXXX  can not provide verifiable proof, in compliance with the FCRA, that I have made payments within the past seven years, these accounts must be permanently deleted from my credit report. 

Additionally, I request a written statement confirming the deletion of these accounts once the investigation is complete. If Equifax fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I expect a resolution within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX CFPB File # XXXX NMAC Account XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing in response to the letter provided by Nissan Motor Acceptance Company LLC ( NMAC ) dated XX/XX/XXXX, regarding my consumer complaint. NMACs response is wholly inadequate and fails to address the fundamental issue : why they are pursuing a deficiency balance of {$5700.00} when I fulfilled all terms of my lease agreement. 

NMAC claims that my lease, which began on XX/XX/XXXX, for 36 payments of {$170.00}, was fully executed per contract terms. If that is true, then why are they unlawfully reporting a charge-off balance when I paid in full? They provide no legitimate explanation for this balance, no breakdown of how they arrived at this amount, and no justification for why they continue to pursue it. Instead, they hide behind generic statements about credit reporting obligations under the Fair Credit Reporting Act ( FCRA ) while failing to explain the basis for their inaccurate reporting. 

Furthermore, NMAC 's attempt to deflect responsibility onto credit bureaus is both misleading and unacceptable. NMAC is the entity furnishing inaccurate information to credit agencies, and they are responsible for correcting any errors. This is not a matter for XXXX, XXXX, or XXXX to resolvethis is NMACs obligation under federal law. 

Their statement that they can not assume the risk of customers experiencing personal setbacks is irrelevant to my case. There was no default, no unpaid balance, and no deficiency. This balance appears to be fabricated, and their refusal to correct it constitutes unfair, deceptive, and abusive practices ( UDAAP ), as well as a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. 

I demand that the CFPB require NMAC to : Provide a detailed, itemized accounting of how they arrived at the alleged {$5700.00} balance. 
Explain why they are still attempting to collect on a fully paid lease. 
Immediately cease all negative reporting regarding this alleged charge-off and correct my credit file. 
Provide legal justification for their actions, including any statutes or contractual clauses that support their claim. 
If NMAC fails to comply, I request that the CFPB escalate this matter and take appropriate enforcement actions against them for their clear abuse of the credit reporting system and potential violations of federal law. 

I expect a prompt and detailed response outlining how CFPB intends to address this unlawful conduct. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have repeatedly reached out to these creditors, XXXX and Citibank regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay XXXX payment due to hardship, consulted with Greenpath - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into XXXX and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a XXXX XXXX less than XXXX, I was back where I started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly reached out to these creditors, XXXX and XXXX regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay one payment due to hardship, consulted with XXXX  - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into XXXX and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a credit score less than XXXX, I was back where I started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have repeatedly reached out to these creditors, CHASE and XXXX regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay one payment due to hardship, consulted with XXXX - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into one and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a credit score less than 700, I was back where I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit was negatively impacted, hurting my chances at credit after receiving a response to my previous dispute that the accounts disputed were ''verified ''. 

please furnish all proof from furnisher and not the consumer reporting agency or delete the accounts as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The accounts in my attached documents are not mines. I have not open any of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The accounts in my attached documents are not mines. I have not open any of these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My information has been reported on dark web for a few years now. I've tried disputing some have been successful some have not. I'm tired of the credit card company saying I've had late payment when I didn't and closing accounts that are showing on my credit report and hard inquiries popping up XXXX to XXXX  times per company. I'm needing help. With all credit bureau Transunion ... Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I believe that this collection account should be removed for the following reasons : This collection is reporting an amount that is incorrect such as {$250.00} & {$290.00}. It shows different opened dates & last reported dates. It also says the account has been paid on XXXX. The debt was settled but the collection account was not updated to reflect this. 

I have previously attempted to resolve this matter directly with the collection agency, but to date, it remains unresolved. Enclosed, I have included supporting documentation to back my claim. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) review this issue and assist in removing this erroneous collection account from my credit report. I believe that this issue is preventing me from having an accurate credit report and is adversely affecting my credit score. 

Thank you for your time and attention to this matter. I would appreciate your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation