vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: ID

Complaint narrative:
This is an ongoing problem at the local Keybank with racism. I brought the issue with the Executive office a year or so ago. Things got better for a while with changes in management but now they brought another branch manager whos not subtle about her racism. Her name is XXXX XXXX. My understanding is that the provision of the current federal civil rights act applies only to housing and not specified to other banking areas like checking. However, the Idaho human rights act still applies. Anyways, the persistent issues relates to staff like the branch manager asking me for my license when I have been coming to this same branch for a long time now. 

Today, I came into withdraw money but XXXX  XXXX XXXX  attended me. I ask her for a withdrawal slip to write my account number and sign it. She stated that I had to provide a license or use my debit card because I dont know you and the people that know you are not here. I told her that the account and signature are on the slip. She refused to serve me unless license was shown so I told her that I had ro grab it from my car. 

Thereafter, she proceeded to act like an XXXX XXXX XXXX by refusing to provide the ticket with the full balance and rub it more on my face by patronizing me telling me not to lose my license. 
There are so many issues at this branch : 1 ) why is racial bias a persistent problem? Regardless, of whos in management. 2 ) why is service so inconsistent with some staff accepting me writing the account number on the back of checks or withdrawals slips? 3 ) is it safer to do transactions by use of debit cards ( that could be stolen ) or by using slips with handwritten account and signature that reflects more correctly the customers signature than some stupid scribble on a pad? 4 ) where can customers find the banks policies regarding deposit and withdrawal? None is provided at account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX  I went to XXXX XXXX and used my cash app card to purchase shampoo with trying to maintain XXXX dollars cash back cash app took the XXXX from my account but the merchant provided them with documentation that they dont have my money cash app has then been no help retrieving my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
in XX/XX/XXXX my local XXXX XXXX advised me to open a credit line of {$15000.00} to pay for my XXXX XXXX, contract is 0 % for 2 year if paid in full. I agreed, appllied got approved, and set up auto pay for $ XXXX, 2 years gone by, XX/XX/XXXX I logged in and see my balance is over $ XXXX still. called in and learned that an add on service called " card security '' was siphoning $ XXXX off my {$660.00} payments. causing my account not paid in full in 2 years and in the fine print i would get charged interest all the way back to the beginning. But I never authorized the card security add on, itis one of their own serivce, my bank statement always shows I paid Synchrony, not card security so I was in the dark the whole time. I looked on line and there were conntless of people got trapped by this unethical practice by Synchrony and they were sued back in XXXX for this exact practice. They refuded {$1400.00} worth of 1 year card security payment back into my total outstanding balance but bottom line I still owe over $ XXXX. I have turned off auto pay and this credit account will default

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
This is my third attempt to try and rectify what has been happening. Nelnet keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX points today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
There has been inaccurate reports on my credit report coming from a student loan that is not mine I tired multiple times to dispute it through all 3 credit bureaus and constantly being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION!

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 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
I recently discovered that my personal information was unlawfully used to rent property in my name without authorization. Furthermore, multiple unauthorized credit card inquiries were made using my identity. These fraudulent activities have not only caused financial distress but also compromised my privacy and security. I have taken immediate steps to report this identity theft to the relevant authorities and have contacted the affected institutions to address these unauthorized actions. 
southwest recovery ser XX/XX/XXXX {$47000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I purchased an online mentoring class with a specific person from XXXX XXXX on XX/XX/XXXX from his XXXX account. When, I purchased the class, the merchant gave me a ebook and XXXX number to the assistant and said he will help to mentor me. I didnt receive anything else. I did not get any mentoring from the specific person as advertised in his XXXX XXXX thing he gave me was his Ebook which is not helpful. Plus, I didnt get a response from his XXXX. I filed a dispute with Citi on XX/XX/XXXX. They opened it and asked for additional information in XX/XX/XXXX and asked to complete it by XX/XX/XXXX. I was not able to respond by XX/XX/XXXX as I didnt check my email or mail as I went out of town for a work travel. When I came back I realized Citi completed their investigation and it was against my favor. I called them to allow me to reopen the case and give me chance to add my additional information. They simply refused and asked me to contact merchant. Merchant is not responding to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is showing inaccurate information I am very concerned, because this is affecting my ability to get credit. I am single dad am not able to get a new apartment because of these errors. I am being ignored and XXXX is disregarding my disputes. This is a violation and I demand this be corrected by you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
See all letters I have attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
To whom this may concern : My name is XXXX XXXX My complaint is the lender in question may be using discriminatory practices. After stating in an email in XX/XX/XXXX I can move forward with the loan. No one contacted me to provide additional paperwork to reapply for the homestyle renovation loan. Instead, I was only told that my original architectural plans would need be changed in order for my loan to proceed. This cost was an additional XXXX $ dollars. Then, I'm notified my loan is denied in XX/XX/XXXX. It should be noted that the lender states I was officially denied in XX/XX/XXXX. But, why not tell me that if they requested new architectural plans a month before the denial? 

I've attached the denial documentation, email correspondence and an a photo of the completed attachment. It's clear my project meets fannie mae guidelines. What is not clear is when did my architectural drawings not meet the lenders guidelines. 

I need assistance seeking compensation for cost of installing solar XXXX XXXX I would not have had to add solar if the original lender went through with the changed plans. 



Your name and contact information ; XXXX XXXX XXXX The FHA Case Number ; XXXX Property Address ; XXXX XXXX XXXX XXXX, XXXX  XXXX Mortgagee Information ; and American Financial Resources XXXX Inc. / eLend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Direct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
FIFTH THIRD BANK forged a signature on a digital duplicate of my sales contract, thats between me, XXXX and XXXX. You can CLEARLY SEE that FIFTH THIRD BANK had crossed out a signature from XXXX and digitally added the name of their bank and a random signature that I do not recognize and did not authorize... there is no date associated with these signatures that they recently forged and there is no original, notarized, legally obtained document that had FIFTH THIRD BANK on it at all. ALL CLAIMS FIFTH THIRD BANK HAVE ARE NULL AND VOID, THERE IS NO CONTRACT, AND I FIRMLY EMPHASIZE MY DISGUST AND COMPLETE SUPRISE THAT THEIR ILLEGAL ACTIONS have been ignored and seeming accepted by CFPB and I demand remedy. FIFTH THIRD BANK hasbwilfully commited securities fraud, forgery, violated many U.S. codes, as well as lied and attempted to defend their actions rather than correct them...

On the document I uploaded you can CLEARLY SEE, the absence of FIFTH THIRD BANKs signature ... ... this is very illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  XXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN!

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 2023-12-19 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: AL

Complaint narrative:
I sent a letter requesting a copy of my credit report to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: WA

Complaint narrative:
XXXX is saying that I had opened an account and had made charges to this account. I have never opened an account with them and they have failed to provide any documentation that I have done so. I have filed several fraud cases with them and the credit report agencies with no resolve. They state that I had a {$200.00} credit limit and owe {$340.00}.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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