{"took":694,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":383,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6173681","_score":16.448112,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear sir / madam, This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. \n\nPlease refer this complaint to the right agency to investigate. \n\nI further request that this account with this bank be audited by the right agency. \n\nI also request that the bank provide all the email communications that they have received from me, as soon as possible. \n==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. \n\nDespite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. \n\nThe merchant continued to charge my card, however, even after I had canceled the transaction with them. \n\nI disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. \n\nThe bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. \n\nThe bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. \n\nI have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. \n\nI have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. \n\nI filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. \n\nThe bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. \n\nI have never received the goods and need a full refund. \n\nThank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX","date_sent_to_company":"2022-11-08T00:43:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"6173681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-11-08T00:30:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Dear sir / madam, This is a complaint for discrimination on the <em>basis</em> of national <em>origin</em>, ethnicity, age, and gender. \n\nPlease refer this complaint to the right agency to <em>investigate</em>. \n\nI further request that this <em>account</em> with this bank be audited by the right agency."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a lender or other company charging your <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.448112,"6173681"]},{"_index":"complaint-public-v1","_id":"6280783","_score":15.6778,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a discrimination complaint on the basis of National origin and Ethnicity I filed some claims for merchandise never received and for cancelled transactions. In light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. \n\nFew weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. Please refer this complaint to the right agency to investigate. \n\nI further request that this account with this bank be audited by the right agency. I also request that the bank provide all the email communications that they have received from me, as soon as possible. ==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. The merchant continued to charge my card, however, even after I had canceled the transaction with them. I disputed XXXX transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. The bank issued the provisional credit. \n\nFew weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. I have never received the goods and need a full refund. Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. The bank unfairly denied all my claims. The bank should approve all my claims for cancelled transactions and merchandise never received. The bank unfairly let the merchants have the money and the merchandise. ============ Please find the attached XXXX files XXXX with the emails communications between me and the Merchant. The second is with the emails communications between me and the XXXX XXXX in XXXX, Confirming that the merchant artwork is forgery I have emailed the XXXX attached files to the bank on ( XXXX, 2021 ). I have made the bank aware that the merchant is selling forgery artworks. The bank ignored all my supportive documents and discriminated. Then, decided the claims in the merchant favor.","date_sent_to_company":"2022-12-06T03:31:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"6280783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-12-06T03:22:42.000Z","state":"MA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This is a complaint for discrimination on the <em>basis</em> of national <em>origin</em>, ethnicity, age, and gender. Please refer this complaint to the right agency to <em>investigate</em>. \n\nI further request that this <em>account</em> with this bank be audited by the right agency."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[15.6778,"6280783"]},{"_index":"complaint-public-v1","_id":"6188965","_score":15.110134,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear sir / madam, The bank is charging my account an Excessive number of overdraft fees. \n\nI filed some claims for merchandise never received and for cancelled transactions. \n\nIn light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. \n\nFew weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. \n\nThis is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. \n\n\nPlease refer this complaint to the right agency to investigate. \n\n\nI further request that this account with this bank be audited by the right agency. \n\n\nI also request that the bank provide all the email communications that they have received from me, as soon as possible. \n\n==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. \n\n\nDespite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. \n\n\nThe merchant continued to charge my card, however, even after I had canceled the transaction with them. \n\n\nI disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. \n\n\nThe bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. \n\n\nThe bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. \n\n\nI have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. \n\n\nI have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. \n\n\nI filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. \n\n\nThe bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. \n\n\nI have never received the goods and need a full refund. \n\n\nThank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. \n\n\nThe bank unfairly denied all my claims. \n\nThe bank should approve all my claims for cancelled transactions and merchandise never received. \n\nThe bank unfairly let the merchants have the money and the merchandise.","date_sent_to_company":"2022-11-10T17:00:22.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"6188965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-11-10T16:33:25.000Z","state":"MA","company_public_response":null,"sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["This is a complaint for discrimination on the <em>basis</em> of national <em>origin</em>, ethnicity, age, and gender. \n\n\nPlease refer this complaint to the right agency to <em>investigate</em>. \n\n\nI further request that this <em>account</em> with this bank be audited by the right agency."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[15.110134,"6188965"]},{"_index":"complaint-public-v1","_id":"16812871","_score":14.815112,"_source":{"product":"Debt collection","complaint_what_happened":"I am disappointed to say that I have found errors and omissions in the reporting of my credit information, which are required to be accurate and thorough under FCRA section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance criteria. Despite this, I have not received the level of information verification, evaluation, and confirmation that I expect within a reasonable time frame. It is disheartening to find that my credit history and related information have not been validated or reported correctly. As a consumer, I have the right to request factual, truthful, verifiable, and compliant data to be placed on my credit report and for any mistakes to be permanently fixed. I also need assurance that each creditor has a legitimate basis for all queries on my credit record by investigating the origins of each account. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. \n\nXXXX - XXXX","date_sent_to_company":"2025-10-24T05:53:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"71301","tags":null,"has_narrative":true,"complaint_id":"16812871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-10-24T05:51:50.000Z","state":"LA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I also need assurance that each creditor has a legitimate <em>basis</em> for all queries on my credit record by <em>investigating</em> the <em>origins</em> of each <em>account</em>. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. \n\nXXXX - XXXX"]},"sort":[14.815112,"16812871"]},{"_index":"complaint-public-v1","_id":"16812288","_score":14.743873,"_source":{"product":"Debt collection","complaint_what_happened":"I am disappointed to say that I have found errors and omissions in the reporting of my credit information, which are required to be accurate and thorough under FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. Despite this, I have not received the level of information verification, evaluation, and confirmation that I expect within a reasonable time frame. It is disheartening to find that my credit history and related information have not been validated or reported correctly. As a consumer, I have the right to request factual, truthful, verifiable, and compliant data to be placed on my credit report and for any mistakes to be permanently fixed. I also need assurance that each creditor has a legitimate basis for all queries on my credit record by investigating the origins of each account. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. \n\nXXXX - XXXX XXXX - XXXX","date_sent_to_company":"2025-10-24T05:48:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"71301","tags":null,"has_narrative":true,"complaint_id":"16812288","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-10-24T05:45:20.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I also need assurance that each creditor has a legitimate <em>basis</em> for all queries on my credit record by <em>investigating</em> the <em>origins</em> of each <em>account</em>. Unfortunately, if this can not be resolved, I will have no choice but to take legal action. \n\nXXXX - XXXX XXXX - XXXX"]},"sort":[14.743873,"16812288"]},{"_index":"complaint-public-v1","_id":"20406625","_score":14.608941,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"A transfer was made into my personal bank account that appeared on my statement only as Phone Transfer. The transaction description did not identify the originating account holder or organization. \nThis transfer later became the basis for a criminal allegation against me. An organization reported the transaction to law enforcement as a theft and alleged that I had taken the funds. As a result, I was accused of theft and prosecuted. \nBecause the transaction involved my personal bank account and directly affected me, I requested records from TD Bank to understand how the transfer was initiated. Specifically, I requested documentation that could identify : the origin of the phone transfer authentication used to authorize the transaction call logs or transaction records associated with the telephone banking request TD Bank refused to provide these records and stated that the information could only be obtained through a lawyer or subpoena. \nThe criminal case related to this allegation was later dismissed in XX/XX/year>, and the funds at issue were restituted in XX/XX/year>. However, during the investigation and prosecution no bank authentication records identifying who initiated the phone transfer were presented. \nBecause the transaction directly affected my personal account and had serious legal consequences for me, I believe the bank should provide basic information explaining how the transaction was initiated and authorized. \nI am requesting that TD Bank explain : -why records related to a transaction affecting my account were withheld -what records exist identifying the origin and authorization of the phone transfer and provide copy to me and the relevant authorities to demonstrate who did the transaction -whether TD Bank maintains XXXX XXXX or call records related to the transaction","date_sent_to_company":"2026-03-19T12:32:01.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"08861","tags":null,"has_narrative":true,"complaint_id":"20406625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-19T12:23:59.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A transfer was made into my personal bank <em>account</em> that appeared on my statement only as Phone Transfer. The transaction description did not identify the originating <em>account</em> holder or organization. \nThis transfer later became the <em>basis</em> for a criminal allegation against me. An organization reported the transaction to law enforcement as a theft and alleged that I had taken the funds. As a result, I was accused of theft and prosecuted."]},"sort":[14.608941,"20406625"]},{"_index":"complaint-public-v1","_id":"11032752","_score":14.105984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action.","date_sent_to_company":"2024-12-04T19:38:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77088","tags":null,"has_narrative":true,"complaint_id":"11032752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-04T19:22:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I will also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action."]},"sort":[14.105984,"11032752"]},{"_index":"complaint-public-v1","_id":"6194494","_score":14.085592,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear sir / madam, The bank is charging my account an Excessive number of overdraft fees. \n\n\nI filed some claims for merchandise never received and for cancelled transactions. \n\n\nIn light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. \n\n\nFew weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. \n\n\nThis is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. \n\n\n\nPlease refer this complaint to the right agency to investigate. \n\n\n\nI further request that this account with this bank be audited by the right agency. \n\n\n\nI also request that the bank provide all the email communications that they have received from me, as soon as possible. \n\n\n==================== This is a complaint against ( Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. \n\n\n\nDespite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. \n\n\n\nThe merchant continued to charge my card, however, even after I had canceled the transaction with them. \n\n\n\nI disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX  ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. \n\n\n\nThe bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. \n\nThe bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. \n\n\n\nI have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. \n\n\n\nI have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. \n\n\n\nI filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. \n\n\n\nThe bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. \n\n\n\nI have never received the goods and need a full refund. \n\n\n\nThank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. \n\nThe bank unfairly denied all my claims. \n\nThe bank should approve all my claims for cancelled transactions and merchandise never received. \n\n\nThe bank unfairly let the merchants have the money and the merchandise. \n\n============ Please find the attached two files One with the emails communications between me and the Merchant. \n\nThe second is with the emails communications between me and the XXXX XXXX in XXXX, Confirming that the merchant artwork is forgery I have emailed the two attached files to the bank on ( XXXXXXXX XXXX  ). \n\nI have made the bank aware that the merchant is selling forgery artworks. \n\n\nThe bank ignored all my supportive documents and discriminated. Then, decided the claims in the merchant favor.","date_sent_to_company":"2022-11-12T18:17:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"6194494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2022-11-12T18:03:26.000Z","state":"MA","company_public_response":null,"sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["This is a complaint for discrimination on the <em>basis</em> of national <em>origin</em>, ethnicity, age, and gender. \n\n\n\nPlease refer this complaint to the right agency to <em>investigate</em>. \n\n\n\nI further request that this <em>account</em> with this bank be audited by the right agency."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.085592,"6194494"]},{"_index":"complaint-public-v1","_id":"9143441","_score":13.941184,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"with EQUIFAX I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance criteria. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. I have attached documentaion with my dispute on this account as well as my ID and address verification.","date_sent_to_company":"2024-05-31T21:00:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19138","tags":"Servicemember","has_narrative":true,"complaint_id":"9143441","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-31T20:53:10.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I will also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. I have attached documentaion with my dispute on this <em>account</em> as well as my ID and address verification."]},"sort":[13.941184,"9143441"]},{"_index":"complaint-public-v1","_id":"7588933","_score":13.798535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).","date_sent_to_company":"2023-09-22T08:35:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"225XX","tags":null,"has_narrative":true,"complaint_id":"7588933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-22T08:28:40.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates."]},"sort":[13.798535,"7588933"]},{"_index":"complaint-public-v1","_id":"7589048","_score":13.785453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).","date_sent_to_company":"2023-09-22T08:35:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"225XX","tags":null,"has_narrative":true,"complaint_id":"7589048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-22T08:35:26.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates."]},"sort":[13.785453,"7589048"]},{"_index":"complaint-public-v1","_id":"7588305","_score":13.785453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).","date_sent_to_company":"2023-09-22T08:35:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"225XX","tags":null,"has_narrative":true,"complaint_id":"7588305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-22T08:35:26.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. \nI am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates."]},"sort":[13.785453,"7588305"]},{"_index":"complaint-public-v1","_id":"14220665","_score":13.777935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to address any discrepancies or incomplete information that may be present in my credit report as required by FCRA Section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards. I understand that accuracy and thoroughness are crucial in maintaining a compliant profile. I kindly request that you complete your verification process in a reasonable timeframe and ensure that all information on my credit report is evaluated and confirmed. \n\nI believe that certain aspects of my credit history have not been accurately reported or validated. As a responsible consumer, it is my right to request that all information on my credit report is factual, verifiable, and in compliance with regulations. I would greatly appreciate it if you could rectify any inaccuracies immediately. \n\nMoreover, I would like to request that you investigate the origin of each account and verify that all creditors have a legitimate basis for accessing my credit report. If this can not be done, I may have to consider legal action. \n\nListed below are the Accounts that are being challenged XXXX  XXXX - XXXX Please Delete this Account! \n\nListed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Please Delete this Account!","date_sent_to_company":"2025-06-22T15:03:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30248","tags":null,"has_narrative":true,"complaint_id":"14220665","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-22T14:54:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Moreover, I would like to request that you <em>investigate</em> the <em>origin</em> of each <em>account</em> and verify that all creditors have a legitimate <em>basis</em> for accessing my credit report. If this can not be done, I may have to consider legal action. \n\nListed below are the <em>Accounts</em> that are being challenged XXXX  XXXX - XXXX Please Delete this <em>Account</em>! \n\nListed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Please Delete this <em>Account</em>!"]},"sort":[13.777935,"14220665"]},{"_index":"complaint-public-v1","_id":"16784384","_score":13.479166,"_source":{"product":"Debt collection","complaint_what_happened":"Therefore, I would respectfully request you to remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I would like to request that any mistakes be permanently fixed immediately. Finally, I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all queries on my credit record. \n\nALDOUS - XXXX","date_sent_to_company":"2025-10-23T11:38:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"94806","tags":null,"has_narrative":true,"complaint_id":"16784384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2025-10-23T11:36:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Finally, I kindly ask that you <em>investigate</em> the <em>origins</em> of each <em>account</em> and confirm that each creditor has a legitimate <em>basis</em> for all queries on my credit record. \n\nALDOUS - XXXX"]},"sort":[13.479166,"16784384"]},{"_index":"complaint-public-v1","_id":"2273320","_score":13.354733,"_source":{"product":"Bank account or service","complaint_what_happened":"I keep contacting the CFPB regarding unlawful fees that TD Bank keeps taking out of my account. Not only did TD bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard TD bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.","date_sent_to_company":"2017-01-04T21:52:13.000Z","issue":"Account opening, closing, or management","sub_product":"Savings account","zip_code":"07052","tags":null,"has_narrative":true,"complaint_id":"2273320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2017-01-03T21:24:03.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I keep saying it but my voice is not heard TD bank discriminates on the <em>basis</em> of religion and national <em>origin</em> they want me to close my <em>account</em> because I have a heavy XXXX accent so they cause a lot of problems with my <em>account</em>. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will <em>investigate</em> this bank for its unfair practices."],"product":["Bank <em>account</em> or service"],"issue":["<em>Account</em> opening, closing, or management"],"sub_product":["Savings <em>account</em>"]},"sort":[13.354733,"2273320"]},{"_index":"complaint-public-v1","_id":"18842915","_score":13.189042,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir or Madam, I am submitting this formal complaint against Consuegra & Duffy , P.L.L.C . for withdrawing money from my wages and/or my bank account without my consent and without any prior notice. \n\nI was never informed in advance that any garnishment, levy, or automatic withdrawal would take place. I did not authorize Consuegra & Duffy , P.L.L.C . to deduct funds from my salary or my bank account, nor was I properly notified of the origin, validity, or amount of the alleged debt they claim I owe. \n\nThese withdrawals caused financial hardship and were made without my knowledge or permission. To this date, I have not received any clear written documentation explaining the legal basis for these deductions, including a court judgment, garnishment order, or lawful authorization. \n\nI believe these actions may violate federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), as well as applicable Florida statutes regarding debt collection and wage or bank account garnishments. \n\nI respectfully request a full investigation into this matter and ask that appropriate action be taken to address these unauthorized withdrawals. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2026-01-19T22:53:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"34491","tags":null,"has_narrative":true,"complaint_id":"18842915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consuegra & Duffy, P.L.L.C.","date_received":"2026-01-19T22:21:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I did not authorize Consuegra & Duffy , P.L.L.C . to deduct funds from my salary or my bank <em>account</em>, nor was I properly notified of the <em>origin</em>, validity, or amount of the alleged debt they claim I owe. \n\nThese withdrawals caused financial hardship and were made without my knowledge or permission. To this date, I have not received any clear written documentation explaining the legal <em>basis</em> for these deductions, including a court judgment, garnishment order, or lawful authorization."]},"sort":[13.189042,"18842915"]},{"_index":"complaint-public-v1","_id":"18344399","_score":13.125913,"_source":{"product":"Debt collection","complaint_what_happened":"For several years, XXXX has repeatedly contacted me and issued bills in an apparent attempt to collect funds for an account that I never opened and for which I have no contractual relationship with the company. Despite my lack of authorization or responsibility for this account, XXXX has continued to pursue payment, which I believe constitutes ongoing harassment and improper billing practices. \n\nThe billing activity appears to be tied to the property located at XXXX XXXX XXXX, XXXX, MA XXXX. I dispute any responsibility for charges associated with this property, particularly in light of the fact that my ownership interest was unlawfully taken through mortgage fraud, as described in my prior complaints. The property was seized by XXXX at the beginning of XXXX. \n\nBased on the timing, coordination of parties, and documentation involved, I am concerned that XXXX  billing and collection actions may be connected to or reliant upon the same fraudulent records and transactions involving XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX \n\nI recently received another bill from XXXX without explanation, further demonstrating that this matter remains unresolved. I formally dispute the debt in its entirety and request a full investigation into the origin of the account, the basis for billing me, and any reliance on fraudulent or inaccurate property or ownership records.","date_sent_to_company":"2025-12-29T17:29:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"80302","tags":null,"has_narrative":true,"complaint_id":"18344399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"William Raveis Real Estate","date_received":"2025-12-29T17:20:54.000Z","state":"CO","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I formally dispute the debt in its entirety and request a full <em>investigation</em> into the <em>origin</em> of the <em>account</em>, the <em>basis</em> for billing me, and any reliance on fraudulent or inaccurate property or ownership records."]},"sort":[13.125913,"18344399"]},{"_index":"complaint-public-v1","_id":"11065764","_score":13.10181,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Discrimination Based on Immigration Status in KeyBanks Checking Account Promotion I am writing to file a complaint regarding KeyBanks discriminatory practices related to their {$300.00} checking account bonus promotion. I believe this policy unjustly excludes XXXX XXXX holders ( XXXX XXXX ) and violates protections against discrimination based on immigration status or national origin. \n\nDetails of the Incident : On XX/XX/XXXX, I attempted to open a checking account online to qualify for KeyBanks {$300.00} bonus promotion. During the process, I was informed that online applications were restricted to U.S. citizens only and that, as a XXXX XXXX holder, I would need to apply in person at a branch. \n\nOn XX/XX/XXXX, I visited the KeyBank branch located at : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. \n\nA banker began opening the account for me. However, during the process, the banker needed to call for confirmation regarding the bonus eligibility. After the call, the banker informed me that the bonus could not be applied in person and confirmed that the promotion was effectively limited to U.S. citizens because online applications for XXXX XXXX holders were not allowed. \n\nOn XX/XX/XXXX, I called XXXX customer service for further clarification. The representative again confirmed that the {$300.00} bonus was available only to U.S. citizens since XXXX XXXX holders could not apply online, and the bonus could not be applied in-branch. \n\nBasis for Complaint : This practice by KeyBank appears to discriminate against XXXX XXXX holders, violating protections under federal laws such as : 1. Equal Credit Opportunity Act ( ECOA ) Prohibits discrimination based on national origin or citizenship status in financial services.\n\n2. Title VI of the Civil Rights Act of XXXX Prohibits discrimination based on national origin by institutions receiving federal financial assistance. \n3. UDAAP Regulations ( Unfair, Deceptive, or Abusive Acts or Practices ) Enforced by the CFPB to ensure fair treatment of consumers. \n\nAs a lawful permanent resident, I meet all the standard eligibility requirements for the checking account and promotion. Excluding me solely based on immigration status is unfair and discriminatory. \n\n\nWashington state also has strong protections against discrimination that apply in this situation, in addition to federal laws. \n\nXXXX. Washington Law Against Discrimination ( WLAD ) RCW 49.60 Scope : WLAD prohibits discrimination in public accommodations, including financial services and banking, based on race, creed, color, national origin, citizenship or immigration status, among other protected classes.\n\nApplication : Banks are considered places of public accommodation, and denying a promotion to XXXX XXXX holders while offering it to U.S. citizens could violate WLAD. \nEnforcement : The Washington State Human Rights Commission ( WSHRC ) enforces this law.\n\n2. Consumer Protection Act ( CPA ) RCW 19.86 Scope : Protects against unfair or deceptive acts or practices in trade and commerce, including banking services.\n\nApplication : Excluding XXXX XXXX holders from an advertised promotion could be seen as an unfair practice under this law. \n\nXXXX. XXXX Municipal Code ( SMC ) Chapter 14.06 Scope : The City of XXXX prohibits discrimination in public accommodations based on national origin, citizenship, or immigration status. \nEnforcement : The XXXX Office for Civil Rights ( XXXX ) handles related discrimination within the city. \n\n\nRequested Action : I request that the CFPB investigate this matter and ensure that XXXX promotional offers are applied fairly and without discrimination based on immigration status or national origin. Furthermore, I ask that KeyBank be required to extend the {$300.00} bonus offer to eligible XXXX XXXX holders who meet all other conditions. \n\nThank you for your attention to this matter. I appreciate your assistance in ensuring fair treatment for all consumers, regardless of their immigration status.","date_sent_to_company":"2024-12-08T01:36:55.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"98144","tags":null,"has_narrative":true,"complaint_id":"11065764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2024-12-08T00:59:22.000Z","state":"WA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["<em>Basis</em> for Complaint : This practice by KeyBank appears to discriminate against XXXX XXXX holders, violating protections under federal laws such as : 1. Equal Credit Opportunity Act ( ECOA ) Prohibits discrimination based on national <em>origin</em> or citizenship status in financial services.\n\n2. Title VI of the Civil Rights Act of XXXX Prohibits discrimination based on national <em>origin</em> by institutions receiving federal financial assistance. \n3."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[13.10181,"11065764"]},{"_index":"complaint-public-v1","_id":"12149751","_score":13.097711,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to formally dispute the fraudulent account listed as **BRIDGECREST** ( Type : Automobile, Status : Closed, Reported Derogatory ) on my XXXX credit profile. **This is not my debt**, and I demand its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. \n\n**Basis for Dispute** : XXXX. **Identity Theft/Fraud** : I have no affiliation with BRIDGECREST, nor have I ever entered into an agreement for an automobile loan or any financial transaction with this entity. \nXXXX. **Inaccurate Reporting** : The alleged XX/XX/year> days late notations ( XXXX ) and Profit and loss write-off remarks are fabricated. \nXXXX. **Lack of Validation** : I have never received lawful validation of this debt, including a contract bearing my signature or proof of legal obligation. \n\n**Demands** : - **Immediate deletion** of this account from my credit profile. \n- A full investigation into the origin of this fraudulent entry. \n- Written confirmation of resolution within XXXX days**, as required by the FCRA. \n\n**Legal Notice** : Failure to comply with these demands will compel me to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), the Attorney Generals Office , and pursue litigation for willful non-compliance under FCRA XXXX XXXX","date_sent_to_company":"2025-02-20T20:30:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19403","tags":null,"has_narrative":true,"complaint_id":"12149751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-02-20T20:19:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["**Demands** : - **Immediate deletion** of this <em>account</em> from my credit profile. \n- A full <em>investigation</em> into the <em>origin</em> of this fraudulent entry. \n- Written confirmation of resolution within XXXX days**, as required by the FCRA. \n\n**Legal Notice** : Failure to comply with these demands will compel me to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), the Attorney Generals Office , and pursue litigation for willful non-compliance under FCRA XXXX XXXX"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.097711,"12149751"]},{"_index":"complaint-public-v1","_id":"14516522","_score":12.967761,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Continued Complaint Citi Bank Unjustified Account Closure on XX/XX/year> and Discrimination Dear Consumer Financial Protection Bureau, Thank you for the response and for forwarding Citi Banks reply. However, I must respectfully express that the explanation provided by Citi Bank is inadequate and does not resolve the serious concerns I raised. \n\nFirst, Citi Bank alleges that notification letters were mailed on XX/XX/year>. I have never received these letters by physical mail, and no email or other electronic notification was ever sent to inform me of the impending closure. As my accounts were digital and regularly accessed online, it is standard banking practice and a reasonable expectation to receive timely communication via email or secure messages. Their failure to notify me via any reliable or timely channel constitutes a denial of due process. \n\nSecond, the banks justification citing their broad authority to close accounts for any reason does not absolve them of the responsibility to avoid discriminatory practices. The closure came after repeated questioning over the source of my lawful international funds support sent by my husband who is legally employed in XXXX. I have consistently complied with all requests for documentation, yet the account was abruptly shut down without cause, explanation, or opportunity to respond. The pattern of intense scrutiny, followed by the sudden closure, strongly suggests ethnic and national origin discrimination. \n\nThird, withholding access to my own funds for weeks caused financial harm by interfering with my ability to meet daily living expenses, pay bills, and avoid missed payments. This constitutes a violation of fair access to financial services, which disproportionately impacts consumers like myself who rely on a single account for their financial livelihood.\n\nI respectfully request : 1. A full investigation into the basis for Citi Banks decision, including the pattern of flagging international support transfers from my spouse.\n\n2. A verification of whether the closure involved any risk rating, OFAC screening, or account profiling based on national origin or geography. \n3. Clear documentation proving that the letters were physically mailed and not returned or a formal admission that electronic notification was not provided.\n\nI maintain that this action was not only unjustified but discriminatory and potentially in violation of the Equal Credit Opportunity Act and federal consumer protection laws. \n\nI attach the bank prior response that includes no actual reasons for closing the account. this can emphasize their discriminatory action. Please keep this complaint open for further investigation and let me know if any additional documentation is required. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-08T19:31:48.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"14516522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-08T19:16:47.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["This constitutes a violation of fair access to financial services, which disproportionately impacts consumers like myself who rely on a single <em>account</em> for their financial livelihood.\n\nI respectfully request : 1. A full <em>investigation</em> into the <em>basis</em> for Citi Banks decision, including the pattern of flagging international support transfers from my spouse.\n\n2."],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[12.967761,"14516522"]},{"_index":"complaint-public-v1","_id":"14412348","_score":12.781621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, TransUnion, and Equifax for violating the Fair Credit Reporting Act ( FCRA 611 ) by refusing to remove a negative tradeline reported by XXXX XXXX XXXX XXXX, despite multiple formal, notarized disputes where I requested validation and supporting documentation.\n\nI have now disputed this account three separate times by mail, using certified delivery and notarization as suggested by the bureaus themselves. Each time, I requested : A copy of the original signed contract or loan agreement, A breakdown of the full amount owed, with interest and fees, Verification of account ownership and reporting authority, and An explanation of the method of verification used to confirm the accuracy of this tradeline.\n\nEach time, the response from the bureaus was the same : A generic letter stating the account has been verified, and Eventually, a formal refusal to investigate further even though none of my original requests were addressed or fulfilled. \n\nI have never received a single document or piece of evidence showing the legal basis for this tradeline. If the bureaus can not provide documentation or confirmation of the origin of the debt, they are legally obligated to remove it yet they continue to report this account. \n\nBecause of this derogatory XXXX XXXX tradeline, I have now been denied a new loan for my business, which has had a devastating effect on my operations and financial health. The continued reporting of this account without validation, documentation, or due process has caused serious harm.\n\nI believe the credit bureaus are : Failing to follow FCRA 611 by verifying without documentation, Ignoring the consumers right to a reasonable investigation, And enabling the ongoing reporting of a potentially inaccurate and unverifiable debt. \n\nThis situation is unacceptable. No creditor, regardless of reputation, is above the law and no credit bureau is exempt from their duty to investigate and validate the information they report.","date_sent_to_company":"2025-07-02T23:24:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91915","tags":null,"has_narrative":true,"complaint_id":"14412348","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-02T23:24:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Each time, the response from the bureaus was the same : A generic letter stating the <em>account</em> has been verified, and Eventually, a formal refusal to <em>investigate</em> further even though none of my original requests were addressed or fulfilled. \n\nI have never received a single document or piece of evidence showing the legal <em>basis</em> for this tradeline."]},"sort":[12.781621,"14412348"]},{"_index":"complaint-public-v1","_id":"14412349","_score":12.7220335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, TransUnion, and Equifax for violating the Fair Credit Reporting Act ( FCRA 611 ) by refusing to remove a negative tradeline reported by XXXX XXXX XXXX XXXX, despite multiple formal, notarized disputes where I requested validation and supporting documentation.\n\nI have now disputed this account three separate times by mail, using certified delivery and notarization as suggested by the bureaus themselves. Each time, I requested : A copy of the original signed contract or loan agreement, A breakdown of the full amount owed, with interest and fees, Verification of account ownership and reporting authority, and An explanation of the method of verification used to confirm the accuracy of this tradeline.\n\nEach time, the response from the bureaus was the same : A generic letter stating the account has been verified, and Eventually, a formal refusal to investigate further even though none of my original requests were addressed or fulfilled. \n\nI have never received a single document or piece of evidence showing the legal basis for this tradeline. If the bureaus can not provide documentation or confirmation of the origin of the debt, they are legally obligated to remove it yet they continue to report this account. \n\nBecause of this derogatory XXXX XXXX tradeline, I have now been denied a new loan for my business, which has had a devastating effect on my operations and financial health. The continued reporting of this account without validation, documentation, or due process has caused serious harm.\n\nI believe the credit bureaus are : Failing to follow FCRA 611 by verifying without documentation, Ignoring the consumers right to a reasonable investigation, And enabling the ongoing reporting of a potentially inaccurate and unverifiable debt. \n\nThis situation is unacceptable. No creditor, regardless of reputation, is above the law and no credit bureau is exempt from their duty to investigate and validate the information they report.","date_sent_to_company":"2025-07-02T23:24:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91915","tags":null,"has_narrative":true,"complaint_id":"14412349","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-02T23:24:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Each time, the response from the bureaus was the same : A generic letter stating the <em>account</em> has been verified, and Eventually, a formal refusal to <em>investigate</em> further even though none of my original requests were addressed or fulfilled. \n\nI have never received a single document or piece of evidence showing the legal <em>basis</em> for this tradeline."]},"sort":[12.7220335,"14412349"]},{"_index":"complaint-public-v1","_id":"14210450","_score":12.66698,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX ssn XXXX Subject : Formal Complaint for Racial Discrimination and Unjust Denial of Funded Accounts To Whom It May Concern, I am writing to file a formal complaint against South State Bank for what I believe to be discriminatory and racially motivated actions that occurred during my attempt to open both a personal and business account.On or around XXXX I visited your branch to open a bank account. I provided all required documentation and valid identification, yet I was denied without a proper explanation. Throughout the process, I was treated unfairly From The Back Office and made to feel unwanted to join south state bank, as if I were being judged not on the merits of my application, but on the basis of my race as an XXXXXXXX XXXX individual. \n\nI want to make it clear that I do not owe any other banks, nor do I have any negative banking history that would warrant denial of service. My financial standing does not justify this type of treatment, which further leads me to believe that race played a role in your decision. \n\nFederal and state laws, including the Civil Rights Act of 1964 and the Equal Credit Opportunity Act, protect individuals from being discriminated against by financial institutions on the basis of race, color, or national origin. What I experienced appears to be a violation of these protections. \n\nI am requesting a full written explanation for the denial of my account application, along with an investigation into this matter. I also urge South Bank to take immediate steps to review its policies and ensure staff are properly trained to treat all individuals equally and respectfully.\n\nIf I do not receive a timely and appropriate response, I will be forced to file a formal complaint Office of the Comptroller of the Currency ( OCC ), and may explore legal action to address this civil rights concern. \n\nI expect a response within 5 business days. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-23T14:38:16.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"75216","tags":null,"has_narrative":true,"complaint_id":"14210450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOUTHSTATE BANK CORPORATION","date_received":"2025-06-23T14:08:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Federal and state laws, including the Civil Rights Act of 1964 and the Equal Credit Opportunity Act, protect individuals from being discriminated against by financial institutions on the <em>basis</em> of race, color, or national <em>origin</em>. What I experienced appears to be a violation of these protections. \n\nI am requesting a full written explanation for the denial of my <em>account</em> application, along with an <em>investigation</em> into this matter."],"product":["Checking or savings <em>account</em>"],"issue":["Opening an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Unable to open an <em>account</em>"]},"sort":[12.66698,"14210450"]},{"_index":"complaint-public-v1","_id":"9950378","_score":12.570857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. \n\nYour agency is in violation! \n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 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.\n\n15 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.","date_sent_to_company":"2024-08-28T17:42:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"9950378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-28T17:42:39.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I also need you to <em>investigate</em> the <em>origins</em> of each <em>account</em> and guarantee that each creditor has a legitimate <em>basis</em> for all queries on my credit record. \n\nYour agency is in violation! \n15 U.S.C 1681 section 602 A."]},"sort":[12.570857,"9950378"]},{"_index":"complaint-public-v1","_id":"9974970","_score":12.568427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. \n\nYour agency is in violation! \n15 U.S.C 1681 section 602 A. States I have the right to privacy. \n15 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. \n15 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.","date_sent_to_company":"2024-08-29T01:01:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33323","tags":null,"has_narrative":true,"complaint_id":"9974970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-29T00:57:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a 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