vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, in the afternoon, I received a physical check from my employer, XXXX XXXX XXXX XXXX XXXX, and deposited it via the Citibank Mobile App. Shortly after, when trying to use my money, I realized not only was the check 's deposit ignored, but that both my Checkings and Savings Accounts were blocked, blocking accessibility from any money.

I spent all of that day and the following ( XXXX ) coordinating with Citibank 's Fraud team, my nearby branch location ( located at XXXX XXXX ), and my employers at XXXX  with no success ; the employers were denied the ability to verify the information of the check due to the negligence and lack of ability from the designated Fraud Team of Citibank, for over three times and hours of wasted time in efforts to allow my accounts to be accesible.

I can not use any of my money I trust Citibank with for at least until Monday, but even then it seems like it is unlikely that Citibank will actually fix this soon - I had a similar issue, where in trying to make new accounts after my identity was at risk, Citibank wasted a whole month lying to me that it was corrected, leaving me without access to money. I only just fixed it a week before this newer issue occured, and now I want this resolved as soon as possible.

This has left me incredibly mentally and emotionally damaged.

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 2025-01-05 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with AMEX, BXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX be removed. 
Any late payments on open accounts with XXXX XXXX be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Mercury Financial Intermediate LLC
State: LA

Complaint narrative:
this account was a charge off Dates : XXXX, XXXX and XXXX of 2023 for {$3300.00} I requested a copy of their 1099C filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
In XX/XX/XXXX, Wells Fargo requested XXXX XXXX, a non-resident XXXX account holder, to close his account. XXXX XXXX faced significant challenges when attempting to transfer his remaining balance electronically to another USD account, primarily due to restrictions on non-resident transactions. While Wells Fargo proposed sending a paper cheque, this solution proved impractical for his XXXX banking arrangements. Following multiple telephone consultations and written correspondence through the online banking platform, the account balance inexplicably zeroed out in XX/XX/XXXXXXXX XXXX without any formal notification from Wells Fargo. 
XXXX XXXXXXXX lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX. The case progressed through several stages before receiving a formal response from Wells Fargo on XXXX XX/XX/XXXXXXXX 
Wells Fargo 's Position Regarding XXXX XXXXXXXX 's account # XXXX ( closed XXXX XX/XX/XXXXXXXX XXXX  ), Wells Fargo maintains : They issued prior notification about closure requirements for non-US residents on XXXX XX/XX/XXXX They can not substantiate XXXX XXXXXXXX 's reported communications from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX A cashier 's cheque was dispatched to a Maryland address ( XXXX XXXX XXXX, XXXX ) The electronic transfer request was declined due to purported fee structures They are willing to reissue the cheque to an alternative address XXXX XXXXXXXX challenges Wells Fargo 's resolution approach by : Providing documentation confirming XXXX banks do not accept US cheques Disputing the bank 's claim about transfer fees, noting ACH charges are under {$1.00} Requesting immediate electronic transfer to a specified XXXX XXXX XXXXXXXX XXXX account Highlighting the impracticality of paper cheques for international customers Setting a XXXX deadline for resolution before escalating the CFPB complaint.

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 2025-01-05 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: AL

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/scrub>XXXX XXXX  and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a complaint against synchrony bank. I have a few store cards through them which include 0 % promotional purchases for a specific time period. After being approved for the cards and using them once, synchrony decreases the credit limit which increases my DTI ratio and drops my credit score. Then before I can finish paying my promotional finance purchase, they close my account, which in turn drops my credit score again. I am never late with payments, and have always paid more than the minimum. Their reasoning in their letter is always the following : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Not Enough Balance Paid Down Over Time On Retail Accounts And the only reason I even have their first complaint is because they keep dropping my credit limit on all my cards. As for a lack of real estate secured loan information, I own my house so I dont have a real estate loan. I know Im not the only person with this complaint about synchrony. I am being responsible with my cards and paying them off in a timely manner. With synchrony always reducing my credit limits and closing my cards, it is in turn affecting my credit score which is making my financial situation worse. This is a serious problem with them and exceptionally frustrating. When you call synchrony to discuss this issue, the only advice they have is to re apply for their card.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have previously filed disputes with the credit reporting agencies to address the inaccurate information on my credit report. Unfortunately, I have received no satisfactory response, nor have the inaccuracies been rectified. Despite following all the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful corrections to the reported information, nor have I received any clear communication regarding the outcomes of my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have previously filed disputes with the credit reporting agencies to address the inaccurate information on my credit report. Unfortunately, I have received no satisfactory response, nor have the inaccuracies been rectified. Despite following all the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful corrections to the reported information, nor have I received any clear communication regarding the outcomes of my disputes.

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 2025-01-05 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: CA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXXXXXX XXXX  to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the XXXX after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXXXXXX XXXX  ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXXXXXX XXXX XXXX my XXXXXXXX XXXX XXXX  which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my XXXX XXXX. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.

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 2025-01-05 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXX XXXX  to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account was closed after FNBO ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. FNBO did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted FNBO and they assured me it would NOT be marked as late, the XXXX after making my first payment, FNBO marked the account as delinquent. This delinquency lowered my credit score by another XXXX XXXX. ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXXXXXX XXXX XXXX my XXXXXXXX XXXX XXXX, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.

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 2025-01-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXXXXXX XXXX to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the XXXX after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXXXXXX XXXX  ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXX, my Priceline credit card, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted Priceline, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score.

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest Formerly XXXX ( XXXX, AZ XXXX ) continue to report and update an installment account that has been closed since XX/XX/XXXX. The first delinquent date recorded was on XX/XX/XXXX and was written off to Profit and Loss as of XX/XX/XXXX in the amount of {$5000.00}. Formal disputed request has been filed several times to the creditor to stop updating and reporting this as an open and current account status. Which I believe to be a violation of the F.C.R.A. and F.T.C. under Section 611. 
Also back in XXXX I contacted the company and a representative at Bridgecrest Formerly XXXX informed me that this account was assume by another 3rd party. 

Bridgecrest Formerly XXXX refused to make any changes to my credit report via XXXX, XXXX, or XXXX. By not doing so results in a negative impact towards my good ongoing payment history and credit worthiness after this charge-off and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am applying for a mortgage to buy my first home this week. While applying I noticed a " delinquent account '' from XXXX on my credit report totaling {$280.00}. It significantly reduced my credit score and therefore puts my ability to buy a home at risk I briefly had a prepaid account with XXXX in XXXX for one month. I paid upfront and then canceled the account within the month with my payments in good standing. I also have a XXXX account in good standing. I do not recognize the {$280.00} charge, was never notified about it, and believe I never incurred it. 

I spoke at length with multiple XXXX customer service agents across XXXX teams about this charge. None was able to find it in XXXX 's systems or provide any documentation whatsoever about it. I also spoke with the debt collection agency Diversify Adjustment. They also failed to provide any documentation explaining the charge. Despite that, XXXX has refused to revoke its claim or even file a dispute despite multiple requests from me. 

I believe I am the victim of predatory and erroneous billing, with multiple large corporations holding my ability to buy a home hostage with no path to resolution other than paying them a bogus charge that I never incurred and that they can not provide detailed documentation to support. I am requesting urgent CFPB support forcing these corporations to correct their unfair and unethical practices, given their unfair and uncooperative behavior is standing between me and my ability to buy a home. 

My request is if XXXX can not immediately provide detailed documentation justifying why this charge exists despite the fact that I canceled this account with no balance and in good standing, to cancel this " delinquent account '' so that my credit score accurately reflects my credit history instead of XXXX 's predatory billing practices. 

I can be reached any time at XXXX. Thank you for your help.

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