vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: IL

Complaint narrative:
I opened the high yield savings account with Laurel Road Bank on XX/XX/XXXX and transferred {$23000.00} into my account. After that the account suddenly got locked and I was not able to log into it. I immediately contacted them to ask what happened and why was it locked. They told me that they found some suspicious activities and that's why they have locked it. I asked them if they could unlock it for me, to which they told me that they need my ID and phone bill to verify my identity and that it will take within XXXX business day. I did all of that and haven't gotten any response from them so i called them the next day for an update. They have told me that the case is under review and that it will take from 4, 10 to 30 business days. At that point I was worried because I have never run into this type of issues before. I have XXXX other XXXX accounts from XXXX different banks and never ran into this type of issues before. I have done some research on the internet and have found so many complaints with this bank with similar issues. After hearing so many horror stories from many people that have shared their terrible experiences with this bank I got concerned as I really needed the money. After XXXX week not hearing any updates from them i called again and demanded that someone need to unlock my account so I could get all of my money back. Again they said the same answer... it is still under the reviews and that it could take as many as 30 days for it to be resolved. Based on my research I knew i couldn't just leave it at that and requested to talk to the manager or supervisor. Which I was able to and explained how disappointed I was with their services and that I have never faced this type of misleading and fraudulent business handling before. To me this looks as if they were using the " security '' excuse to withhold my money for as long as they can. This is what I have found out on the reddit post that I will be attaching the screenshots of, where many people were the victims of their shady tactics. Most people shared how they weren't able to get their money for months. And their accounts have been locked under suspicious activities, same as mine. The manager explained that unfortunately they couldn't do anything about it and that all I can do is to wait. He promised me that he will reach out to me by XX/XX/XXXX. But every time they have assured me that they will reach out to me with some answers, they haven't. This is why I could not trust their words anymore. Which is why I'm writing to you to share my experience with them. Its been 10 days and I havent heard anything from them and Im still unable to access my account where they are holding my money {$23000.00}. At this point I dont know for how long or if I would be able to get my money back. I am desperate for help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have reached out multiple times through phone and email and have offered to assist and provide proof of documentation that is needed to assess that this is not my debt. Not once did i recieve a call from affirm or a statement to my house trying to collect debt which is why i took long time to dispute. This debt needs to be removed from my credit bearu as you have failed to provide proof of 1, The amount of the alleged debt ; 2.The full name and mailing address of the original creditor for this alleged debt ; 3.Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to dispute a hard inquiry on my Equifax report due to fraud on my credit report that someone tried to open an account with or a bank card with my social or my name because me and my father have the same name but Im a XXXX and there were other times that I have had to dispute charges on my credit report because the address that I were getting in the past were in XXXX, South Carolina and he stays there and I have no way of contacting him and Ive never met him and some of my past fraudulent reports had that area address and Ive been always reporting it. Im reaching out because it is with a bank I do not have an account with is XXXX XXXX XXXX  XXXX and was open on XXXX XXXX and I was seeing if this matter can be looked into further so I can be able to get this charge disputed off my credit report because I dont not bank with them I bank with XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
it all started with the day before XX/XX/year> Trying to get a free credit report from Equifax, Even though I have already been disputing inaccuracies on my report. Called today on XX/XX/year> 4 separate times, to continue to get a run around about seeing my credit report and score. They are refusing my rights to and denying me access to my personal credit report and score because I choose to call them and ask for a copy. Now I do not have any access to my credit report on any platform since XX/XX/year>. 

Nobody from when I called at XXXX XXXX XXXX  talked to XXXX got transferred to Supervisor XXXX XXXX called dropped. Had to verify my information, each time I called by showing the front and back of my ID and taking a picture of myself each time, I talk to someone at Equifax. Then I talked to someone at XXXX XXXX XXXX  named XXXX XXXX said that he was unable to transfer my call but still did it and I talked to a supervisor named XXXX. Called back at XXXX XXXX Not able to still log in to my account, Talked to XXXX then I was transferred to a supervisor XXXX and I had to verify all my information again. 

Still no resolution, but they can tell me what's on my credit report. I just can not see it since XX/XX/year>. All the other times I was able to see it. Then I called back at XXXX XXXX XXXX. talked to XXXX customer service rep. I Tried to dispute my address and I was denied. I asked how so. Not knowing what's on my credit and not able to dispute these inaccuracies can cause me to be denial in credit, Have a high interests rate on a loan and even a denial of job if I apply to another one, or even getting an apartment. 

This should not be happening, they are just doing illegal practices. I even told them that the other credit bureaus are showing accurate information, but not this company ( Equifax ) something needs to be done. They are refusing to cooperate and can not explained why all of sudden they took access away. They even have copies of all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi- I could truly appreciate any assistance in regard to this matter. I have opened an account with Citibank on XXXX XXXX- as I tried to access my account yesterday, XX/XX/year>, I quickly found out that my account was inaccessible. I could not withdraw any funds from the ATM or access my online banking. I then contacted Citibanks security department and the representative that I spoke with had advised me that the reason for the block was because Citibank is closing my account down. I have deposited over {$2000.00} into that bank only to find out that it was going to be closed only a few days later. The representative also advised me that the reason for the closure is that Citibank reserves the right to decline a consumer and that all the funds that I have deposited into the account is not promised to be returned to me. But, was also told that I should be receiving a check from Citibank after the review process which could take up to 24-48 hours. 

I am honestly requesting for any assistance to my claim. I dont have enough money to feed my XXXX kids at this point and I am going through some family emergency. Please help me resolve this, I am honestly begging for assistance. 

Thank you so kindly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
My account with BARCLAYS BANK/OLD NAVY was never late! I have had exceptional payment history with BARCLAYS BANK/OLD NAVY and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


BARCLAYS BANK/OLD NAVY Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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