vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Certainly! Here 's a rewritten version of your message : Citi has closed my credit card account, claiming that I misrepresented details in my disputes. They assert that " the merchants proved you received the services and redeemed sweepstakes money from those services. '' However, I did not misrepresent any facts in my case. 

My dispute was based on not receiving the specific XXXX benefits that were advertised, as outlined in the screenshots I provided. I included evidence of my communication with the merchants support team, which clearly showed they were unwilling to assist me. 

After reviewing the merchants response to my complaint, it is evident they did not address my actual concern. While I did receive some of the advertised services and redeemed sweepstakes winnings ( I never claimed that I did not ), I did not receive the promised XXXX benefits. Additionally, my account was subject to restrictions that prevented me from fully utilizing their services. 

Upon speaking with others in similar situations, Ive learned that Citi is the only bank that does not recognize this merchants actions as a form of bait-and-switch fraud. The merchant made promises regarding XXXX benefits but failed to deliver on them, even imposing restrictions on the accounts of users who reached high XXXX levels, thereby reducing the benefits they were required to provide. 

I believe Citi has misunderstood the situation, and I respectfully request that my account be reinstated and my cashback rewards be paid.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate reporting of multiple late payments by NORDSTROM/TD BANK USA to the credit bureaus. According to their records, several payments are being reported as late, but in reality, these payments were made on time. This misinformation has been unfairly damaging my XXXX XXXX and causing unnecessary stress as I try to maintain accurate credit records. The presence of these false late payments on my credit report is not only misleading to potential lenders but also a direct reflection of negligence in maintaining accurate reporting standards. I have taken great care to meet my financial obligations on time, and it is deeply frustrating to see my efforts undermined by such errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Kikoff Inc.
State: NH

Complaint narrative:
RE : Notice of Intent to Arbitrate and Demand for Proof of Investigation and Deletion of Inaccurate Late Payments To Whom It May Concern : I am formally issuing this notice of action for arbitration due to the continued reporting of inaccurate late payments by Kikoff Lending on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has failed to provide a thorough response, including the method of investigation and sources used to verify these inaccuracies. As a data furnisher, Kikoff is bound by the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting and transparency in responding to disputes, as well as by other consumer protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ). 
The accounts in question are as follows : Account Number : XXXX Account Number : XXXX o XXXX : Reporting 90 days late without active payment history, as well as a separate report with positive/current payment history, but a status of 90 days late, which is inaccurate. 
o XXXX : XXXX 60 days late, which is inaccurate. 
I have attached evidence showing these inaccuracies on my consumer reports. Despite my attempts to resolve these issues, Kikoff has merely stated that the accounts were verified without supplying any evidence or documentation of the sources and methods used in this verification. This lack of transparency violates the FCRAs requirements for accuracy, reinvestigation, and reporting obligations under XXXX. 

To resolve this matter without arbitration, I demand that Kikoff : XXXX. Provide XXXX XXXX : Disclose the specific sources of information used to verify these accounts, including any third-party entities contacted during this process. 
XXXX. Correct or Delete XXXX Accounts : Remove the inaccurate entries or update them to XXXX on XXXX if you can not substantiate the late payment claims within XXXX days from receipt of this notice. 
Under the FCRA, both willful and negligent non-compliance can result in liability for damages under 15 U.S.C. 1681n and 1681o. Non-compliance carries potential statutory damages of {$100.00} to {$1000.00} per violation, plus attorney fees and punitive damages. 
If this matter can not be resolved promptly, please be advised of the following potential costs associated with arbitration : Arbitration Filing Fees : {$2000.00} Legal Fees : {$5000.00} Administrative Costs : {$2000.00} Time and Effort Compensation : {$3000.00} Credit Denials : {$20000.00} Total Potential Costs : {$32000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX Reference number : 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 2024-11-26 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
The creditors failed to send my anything at all. The bureau sent me a letter stating that the debt was verified and will stay on my credit. They did not issue me any further information in regard to this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address multiple inaccuracies on my credit report that are causing significant harm to my credit score and overall financial standing. Specifically, Ive noticed several charged-off accounts and late payments that are being misreported. These accounts are inaccurately listed with details such as credit limits, past-due balances, and late payments, which are inconsistent with how charged-off accounts and timely payments should be reported. These errors are not only misleading to potential lenders but also unfairly damaging my credit profile, making it more difficult for me to access financial opportunities. The late payments reported are not accurate, as I made all payments on time, and yet these incorrect marks continue to appear, further harming my credit score. Ive worked hard to maintain accurate financial records, and it is deeply frustrating to see these mistakes persist on my report.

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 2024-11-26 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX with a balance of {$4100.00} XXXX XXXXXXXX with a balance of {$0.00} XXXX with a balance of & XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX with a balance of {$720.00} XXXXXXXX XXXX XXXX  with a balance of {$150.00} XXXXXXXX XXXX with a balance of {$860.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX with a balance of {$4100.00} XXXX XXXXXXXX with a balance of {$0.00} XXXX with a balance of & XXXX XXXX with a balance of {$720.00} XXXX XXXX XXXX  with a balance of {$720.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$150.00} XXXXXXXX XXXX with a balance of {$860.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but XXXX XXXX XXXX has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but XXXX XXXX XXXX has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported as charged off with a balance of {$2100.00}, and there are significant discrepancies in the high balance history. 

Details of the Dispute : Charge-Off : The account is listed as charged off with a balance of {$2100.00}. 
I requested validation of the charge-off, including a breakdown of fees, payments, and account history, but no documentation was provided. 
Balance Discrepancies : The high balance history on the account shows inconsistencies, particularly between XX/XX/XXXX and XX/XX/XXXX, which I believe are inaccurate. 
I requested clarification and detailed records explaining these discrepancies, but XXXX XXXX XXXX has not responded. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the furnisher is required to conduct a reinvestigation.

Under 15 U.S.C. 1666, creditors must resolve billing errors and provide a full explanation of any discrepancies.

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 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. The account in question is with XXXX XXXX XXXX, a revolving account with account number XXXX, opened on XX/XX/year>. 

This account was charged off, and I no longer owe money to this creditor. However, it is still inaccurately showing a balance of {$380.00}. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. The current reporting of this account is incorrect.

I am requesting that you investigate this matter and either : 1. Provide documentation showing that the balance is accurate and owed, or 2. Update the account status to reflect a {$0.00} balance with no amount due.

Please address this dispute promptly, as required under the FCRA, and provide a written response regarding the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. The account in question is with XXXX XXXX XXXX, a revolving account with account number XXXX, opened on XX/XX/year>. 

This account was charged off, and I no longer owe money to this creditor. However, it is still inaccurately showing a balance of {$380.00}. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. The current reporting of this account is incorrect. 
I am requesting that you investigate this matter and either : 1. Provide documentation showing that the balance is accurate and owed, or 2. Update the account status to reflect a {$0.00} balance with no amount due.

Please address this dispute promptly, as required under the FCRA, and provide a written response regarding the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ME

Complaint narrative:
Someone hacked my online banking app and made two transfers. One for {$200.00} and one for {$500.00}. The took it out and sent it through Zelle. My account is at XXXX XXXX XXXXXXXX. They used an XXXX XXXX to do which I don't own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
i am listing 5 fraudulent inquiries from my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the listed inquiries do not belong to me and must be removed from my Trunsunion and XXXX credit report. i had a call with all companies and credit reporting agency and was advised to fill identity theft report for deletion. i am requesting Trunsunion and XXXX to mark listed inquiries as fraudulent and remov them from my credit report.

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 2024-11-26 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

Company response to consumer: Closed with explanation