vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: IL

Complaint narrative:
I had been referred to Key Bank for purpose of opening a business checking account. After speaking with the XXXX XXXX XXXX XXXX ( XXXX ) and learned I would need to visit a branch in person to open a business account. I was able to schedule an appointment at the XXXX Indiana location, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/23 initially at XXXX XXXX, but that time was changed to XXXX XXXX. Confirmation # XXXX. I was told the Branch Manager ( XXXX would meet with me to open the account ). Earlier that morning, XXXX called me and asked a few questions about my business ( location and type of business ). After he was informed, my business was property management/consulting, in business for a little over two years, located in Illinois, but have a foreign LLC to conduct business in Indiana. He wanted to know how did I learn about Key Bank. I informed him through my business network, and I learned and verified they offered several business products that may benefit my business. At this time I was informed he needed to check with the back office to see if they would be able to open a Business account for me. Unfortunately, he called me back and stated he was informed, I needed to have a footing in Indiana in order to have an account. There are Key Branches in Illinois, but they are located about four hours away, I should not have to drive four hours to open a business account. I believe Key Bank is utilizing illegal practices to keep certain people from opening business accounts. If they have branches in Illinois, then individuals who reside in that state should not be denied the opportunity to open business accounts. According to the customer service center, you do not have to reside in Indiana to open a business checking account, you only have to go in person to open the account and you can reside in Illinois as they have branches in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX My credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information * Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX * Phone ( XXXX ) XXXX * Date Opened XX/XX/XXXX * Date Updated XX/XX/XXXX * Payment Received {$0.00} * Last Payment Made XX/XX/XXXX * High Balance {$540.00} * Credit Limit {$500.00} * Past Due {$540.00} * Pay Status >Charge-off< * Terms Paid Monthly * Date Closed XX/XX/XXXX * Estimated month and year this item will be removed XX/XX/XXXX * Remarks Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refused to update my address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received a letter today ( XX/XX/XXXX ) about a reimbursement due to a consent order the Consumer Financial Protection Bureau issued in XXXX against Discover Bank. 

I contacted Discover Student Loans to get clarification about what the issue was and get some specifics about why the amount reimbursed was that amount. I spoke to several customer service people about the letter, but they would not offer me any additional information after an hour on the phone with them. 

I merely wanted the information about why I was reimbursed, and I could not get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
When I set up the checking and saving account over a year ago they entered my SSN incorrectly which was causing access issues. I worked with the bank and sent in 3 duplicate requests to correct the SSN before it was finally corrected.

I have not signed into my online account in several months and it was requiring multi-level authentication and again it is no longer recognizing the correct last 4 digits of my SSN. 
I have a CC and Debit card for my account, I have my address, login information, account balance and what I had written down for both my savings and checking account number, my security question and I get texts from the bank with number account balance information but I do not get paper statements and have never had any checks as I do not use them. 
Since it would not allow me to use this info I asked them to send me paperwork in the mail to either give me a statement or something to just allow me to close out the account as there are no offices close to me. 
They have refused to mail me anything, allow me any other options or escalate my concern to any other than the supervisor who said there is no way to access my account or get access to my money. 
I want to work with someone that will help me close this account. This has been going on for over a year and they are holding my money 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 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for a small loan the smallest amount they offered was {$500.00}. 
The woman called me and I heard her say something about {$2300.00}. I told her I did NOT want to proceed. I was not sure what she said about the {$2300.00} and I said I would have to think about it. When I called back the woman assured me that I would NOT be paying back {$2300.00}. So I proceeded with the loan. 
As of XX/XX/XXXX payoff amount was {$870.00}. By that time I had already paid {$980.00}. My loan should have already been paid off. 
Now they're telling me the current balance on my account is {$1300.00} and the payoff is {$950.00}. I live on limited income and can NOT afford this. When I applied online I could NOT find ANY information about interest or that I would be repaying {$2300.00}. Please help me, I don't know anything else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a dispute with Experian credit bureau on XX/XX/XXXX for a 30 day past due payment from XXXX XXXX. Payment was made before 30 days past due but due to the statement closing early XXXX XXXX reported this incorrectly. On XX/XX/XXXX  XXXX  XXXX completed the Experian dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now XXXX XXXX has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to Experian incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, XXXX and transunion has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date DC XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, Equifax and XXXX has not complied with the Fair Credit Reporting Act, XXXX5U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint narrative:
I made a one time purchase at Macys and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Previously I had an issue with unauthorized activity to my XXXX  account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

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 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I started a small business ( LLC ) in XXXX. At that time, I applied and was approved for an American Express Gold Business Card, with limited spending ( {$2000.00} ). When I applied, there was no verification requested besides having an EIN and a personal credit check. 
The American Express Gold Card has a ( {$250.00} ) annual fee. I have established a good credit relationship in the XXXX years of membership. 

I learned American Express offers other cards without an annual fee with XXXX percent interest for a period of time. I decided to apply for the American Express Business Blue Credit Card. I applied in XX/XX/XXXX and was denied claiming debt-to-ratio was too high. At that time I was in process of paying down my personal credit obligations and decided to reapply when the changes were reported to the credit bureaus. 

XX/XX/XXXX, I applied again for the American Express Blue Business Credit Card ( XXXX ) Reference # XXXX USD. This time, American Express requested that I submit bank statements. This was quite alarming as I had already established a relationship on the business and personal side. I am a holder of a XXXX XXXX American Express Credit Card that I have had for many years. 

I called and spoke with the credit department and was told American Express Business Card needs to look at my bank accounts to determine how much credit they could extend. This is the first ever a bank has requested bank statements from me for requesting a credit card. They did not request any bank statements when they granted me the Gold Credit Card. I have already established a credit-worthy relationship with them for many years both on the personal and business side. I did not request a business line of credit, if so then I could understand the request, but they should not be requesting bank statements from certain customers. These actions are clearly discriminatory and should not be allowed. I refuse to provide any bank with statements when requesting a Business Credit Card. American Express is utilizing discriminatory practices to deny Business Credit Cards to small minority business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX XXXX I got a loan with XXXX for XXXX  use the account went in default and closed in XX/XX/2017. XXXX three years later sold the account but continues to keep it on my credit, they then report as XXXX/tomorrow, and then XXXX  also I report to all three bureaus but equifax was the only one that didn't remove the account. I got a letter in the mail stating that the account was sold to galaxy enterprise. Requesting that I have to pay them XXXX when the account closed I owed them XXXX, now I have another company Requesting money for the account for XXXX XXXX and it is still XXXX. Under frudling acts I am asking for your help to have this account remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX and XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX and XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted Immediately to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a credit card with Citibank, I raised Dispute for {$1100.00} XXXX but withdrawn it XX/XX/XXXX => and tried to reopen it but unable to do so. below is the history of this entire transaction. 

Date XX/XX/XXXX => I used for making payment for one of the airline ticket I was trying to purchase from XXXX XXXX XXXX XXXX XXXX but somehow that transaction didnt went through so Date XX/XX/XXXX => I filed a dispute request with Citibank on the same day, => Citibank applied a conditional credit to my Credit Card. 

Date XX/XX/XXXX => However later I got confirmation from XXXX XXXX that my ticket is confirmed. So I Withdrawn my dispute XXXX Citibank reversed the charges on my credit card of {$1100.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX booking ( Ref XXXX ) saying I disputed the amount. 

Date XX/XX/XXXX => I asked XXXX XXXX XXXX provide an XXXX so that I can back track the transaction with the help of my bank but i didnot receive any response from them. 

=> CitiBank Customer Support helped me to file reopen the case again but XXXX master card denined that they can't reopen the dispute since it was withdrawn.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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