vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). They reported an account to the credit bureaus that I never agreed to, and for which there is no signed contract. A legally binding agreement requires the consent and signature of both parties, and I did not authorize or sign any such agreement. Also, they failed to follow the FDCPAs required debt validation process, which makes their reporting both improper and unlawful. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions clearly violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a Citibank AAdvantage XXXX XXXX XXXX XXXX for several years. A few years ago Citibank raised the fee on this card but added a benefits of a credit for up to {$120.00} back on XXXX XXXX XXXX and XXXX XXXX XXXX. The terms of the credit are " Cardmembers who applied for their accounts before XX/XX/XXXX, can get up to {$120.00} in statement credits each calendar year for eligible XXXX or XXXX car rentals, and this benefit includes rentals that are not prepaid through avis.com or budget.com. This credit applies through XX/XX/XXXX ''. On XX/XX/XXXX I charged {$41.00} at avis.com to my Citibank XXXX. I received a credit for {$41.00} on my account on XX/XX/XXXX. This should have left me with {$78.00} of available credits for XXXX for avis or budget. On XX/XX/XXXX, I made a charge for a rental that I made at budget.com for {$160.00}, however, I never received the remaining {$78.00} that should have been available for XXXX for my account. After several weeks I contacted Citibank to inquire about my credit which never appeared on my account. I was told that they will do an investigation. A couple weeks later I received a letter stating that the credit was based on how the merchant classified the charge and this charge was not posted correctly for the credit. This did not make any sense to me as the charge clearly states online " XXXX XXXX XXXX XXXX XXXX XXXX Rental Agency ''. I called in again and explained the situation and the representative said they will make another investigation. About a week later, I received another letter in the mail that instructed me to call XXXX XXXX. This made no sense to me but I contacted XXXX XXXX and they told me this is all administered by Citibank and has nothing to do with them. I do not know why Citibank refuses to honor the conditions of their credit card agreement and credit me the amount that is due to me.

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 monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX, balance {$200.00} ), XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$420.00} ) Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
It started when I tried to wire transfer funds, and they sent them back for no reason then I tried again and they put a freeze on my account. They said I could not withdraw my money. I need those funds to pay bills and survive. They have no legitimate reason to freeze those funds. It is costing me a lot of debt

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a business checking account in XXXX XXXX, CA with the banker. I brought in XXXX XXXXXXXX between my checking and XXXX with the intention of participating in a promotion for {$1500.00} that I had seen on my Citi log in. The promotion required : Fund your account Within 45 days of account opening, make a qualifying deposit of {$5000.00} or more in New-to-Citibank funds to eligible accounts. 

Maintain your balance Maintain the required minimum balance for an additional 45 days from the XXXX day of account opening. Your bonus will be deposited to your Citibank business checking account as a credit within 30 days from the end of the month in which you complete all requirements. 

I did bring over the funds within the allotted time frame. XX/XX/XXXX would have been the XXXX day after opening my account. As such, per the terms, the bonus should have been received within 30 days of the end of XX/XX/XXXX. I did not receive the bonus in XXXX and in XXXX I reached out to the banker who opened the account. I have emailed and called and have not received an answer as to what is happening with the bonus and why it has yet to be deposited into my account.

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 monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all collection activities related to the alleged debt referenced under account number. Please consider this letter as a formal demand that you stop all further communication with me in connection with this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am entitled to request that you cease any further communications with me regarding this alleged debt. The law states that upon receipt of a written request to cease communication, you must refrain from contacting me again, except for the following limited circumstances : You may contact me to inform me that you are ending your efforts to collect the debt. 

You may notify me that you intend to take a specific action, such as filing a lawsuit, if applicable.

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I expect that you will comply with the law. I expect that all communication regarding this debt will cease immediately.

Additionally, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), I am entitled to dispute the accuracy of any information you report to the credit bureaus, and I am entitled to protection against any reporting of inaccurate information. If you continue to report inaccurate information to the credit bureaus, you may be in violation of these laws. 

I also request that you not engage in any further actions, including, but not limited to, phone calls, letters, or attempts to initiate legal action, regarding this debt unless and until you provide proper verification of the debt in question. 

Please note that if you continue to contact me in violation of this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. I will also consider taking legal action for violations of the FDCPA and related consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DHI Mortgage Company
State: SC

Complaint narrative:
I purchased a D.R. Horton home in XXXX XXXX, South Carolina, on XX/XX/XXXX, and financed the purchase through DHI Mortgage, an affiliated lender of D.R. Horton.

At closing, my Final Closing Disclosure listed property taxes of only {$100.00} per month, with a total monthly mortgage payment of approximately {$1900.00}. The loan was sold to XXXX XXXX XXXX shortly thereafter. 

Within less than two years, my monthly payment increased by more than {$1200.00} due to a major escrow shortage. My XXXX Escrow Analysis projected annual property taxes of about {$1200.00}, but my XXXX Escrow Analysis now shows annual property taxes of {$5800.00}, a shortage exceeding {$10000.00}, and a new total monthly payment of {$3200.00} effective XX/XX/XXXX. 

DHI Mortgages original tax and escrow estimates were grossly understated. They appear to have been based only on the unimproved lot value before the home was built, even though the lender and builder knew the county would reassess the property at full value. I was never informed at closing that my escrow estimate was temporary or that my taxes and payment could increase so dramatically. 

I also discovered that D.R. Horton, DHI Mortgage, DHI Title, and the closing attorney XXXX XXXX XXXX XXXX, XXXX ) are all affiliated entities. I was directed to use these companies and was not offered an independent attorney or title provider. Because of this lack of independent oversight, I was misled into believing my payment estimate was accurate and stable. 

I have contacted my servicer, XXXX, who confirmed that the shortage and increase were caused by higher taxes, but they have not provided any correction or relief. I am now paying significantly more each month due to DHIs inaccurate disclosures and escrow mismanagement. 

I believe this conduct violates the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), including improper disclosure of payment terms and escrow-account mismanagement. It also aligns with the pattern of misrepresentation alleged in the current lawsuit XXXX v. D.R. Horton , Inc., et al. regarding deceptive escrow estimates provided to FHA borrowers. 

I am requesting the CFPBs assistance to investigate this matter, require DHI Mortgage and/or XXXX to correct the escrow miscalculation, and reimburse borrowers for losses caused by these inaccurate estimates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/year>, I was given fake checks by a client I worked with. I was unaware they were fake. I thought they were legitimate and deposited them in good faith at night via the mobile Bank of America app. The next morning my bank account was closed without me knowing or receiving any warning from the bank. I immediately lost all access and control to the account. Confused I went to the bank in person looking for help. I spent multiple days over 2-3 hours per visit at the bank trying to speak to higher up managers and they were all unable to explain what happened or to even help. I spent hours calling the numbers for customer services that they would give me when I would go to the banks. Still no one could help from BOA. Weeks later I get a letter from BOA in the mail, saying my account was closed due to be doing fraud depositing fake checks. Which that is incorrect I was a victim of fraud. The bank usually would let me know if anything was wrong with the checks not just close my account. 
At the time I had all the evidence my clients online accounts all our text messages screen shotted. Which I took to the bank but they still couldnt help me. Now years later Im ready to start my businesses and I cant get a business bank account due to BOA inaccurate report. I have disputed with XXXX XXXX XXXX but they denied it after BOA said they checked it and it was all correct how it was reported since that day. I filed police report. And the federal report. BOA never contacted me to help me or to resolve this back then when I had all the evidence. Since then, I have lost access to the phone it was all on and the client had deleted everything and blocked me. I dont remember the exact amount for the checks but I think it was one check for {$3000.00}. I have submitted my statements and reports to XXXX  and BOA but it still hasnt been resolved. This is now causing my financial harm were XXXX cant move forward with my businesses and open bank accounts for them. Please have a higher up Manager look into my account report. It was on my personal account. I was a victim of fraudulent checks. Please update or remove report so I can open up a business account with other banks. I always tried to be a good partner for BOA as my entire family banks with them. Unfortunately I havent had that luck, always had bad experiences when I would go to any BOA in person and was denied a secured XXXX That is why I never tried to go back to them or open up another account. Until now where their incorrect report or affecting me negatively.

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 monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Cease and Desist Notice Under 15 U.S.C. 1692c ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/year> Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX Re : Account No. XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, this letter serves as a formal Cease and Desist Notice regarding any and all communications from your agency concerning the above-referenced account. 

You are hereby notified that I refuse to pay or otherwise dispute this alleged debt. Accordingly, I demand that you cease all further communication with me, my family, or my place of employment. The only communication you may legally send after this notice is : To inform me that your collection efforts are being terminated, or To notify me that you intend to take a specific legal action permitted by law. 

Any further attempts to contact me in violation of this request will constitute a violation of the FDCPA, and I will document and report such violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please note that this letter does not constitute an acknowledgment of the alleged debt, nor a waiver of any of my rights under state or federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation