vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed accounts reporting that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/2023, notifying them of the identity theft and requesting verification. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is in violation of 15 USC 1681.

Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2.

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I followed Geminin 's steps to link, add a bank account. They require a bank transfer for them to verify the account. I followed the steps, and my wire transfer was rejected/denied and transferred amount sent back to my bank account, I have asked many times for them to explain the reason for the return. I would like to start transferring money from my Gemini account to a registered bank account. They also mentioned that some banks don't need this verification process due to their affiliation. I have also asked if they can provide the names of banks that don't require this wire transfer process. I am not receiving any type of response. This is bad customer service! They don't have a telephone call center like my banks. Unfortunately, we have to wait for someone to respond to customer via email. Whoever oversees this company needs to check on how their company should be operating, treating customers? I was advised to try other crypto currently website. However, this particular one ( Gemini ) was referred to me by a friend. My family members and friends use bitcoin cryptocurrency. So, they wanted me to be able to receive bitcoin and be able to convert and send to my bank accounts to assist me with bills and other things. Gemini should be assisting me ( the customer ) with my inquiries. However they are not doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX, XXXX XXXX Equifax Re : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX , Equifax, XXXX Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX Way XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act.

Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: NC

Complaint narrative:
Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, Experian Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, 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 explanation
Consumer complaint received 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been 3 months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I took out XXXX student loans through Navient/Sallie Mae back then with my schools guidance several years ago ( XXXX ) My school insisted they would be manageable payments and pressured me to just sign and read later. At the time they gave me the paper they asked I sign it then and there and could read the terms afterwards. As a first generation college student, I didnt realize just how for profit my institution was ( Illinois XXXX XXXX XXXX XXXX XXXX XXXX. I took out XXXX loans in the amounts of XXXX and XXXX. The interest rate was variable. Once I graduated in XXXX, it took me a while to get finally stable so I deferred the loans as long as possible until I had to start payments. I was given a high payment rate of around {$270.00} per month ( and this is in addition to my other Sallie Mae loans. My interest rate started around 10 %. I was temporarily unemployed and was told that there were zero options for repayment since I used up my forbearance. I was given zero options and told that I either pay the listed amount of default. Those were my two options. I fell behind 3 months because I had to pay for rent with my limited income vs. my student loans. To this day I can not reconsolidate my loans due to these negative remarks for these 3 months being on my credit report. Other than those 3 month, I have paid on time and consecutively for 5+ years and my interest rate along with payment continues to soar with no options to lower either. I am now paying {$470.00} a month with interest rates of 17 and 18 %. The worst part is, on my credit report these loans are -75 % paid off. NEGATIVE 75 %. How is that even possible when a large chunk of my month income goes to the loans. I paid almost $ XXXX interest alone last year. I understand I took out the loan, I signed and I have to pay it back but this is truly fraudulent and downright terrible when I put myself through school to make a better life for myself only to have sunk myself in a hole with these student loans where the interest keeps raising, the payment keeps raising and the negative percentage I have paid off of these loans keeps getting bigger. My school closed several years ago and my government loans have been forgiven but Im still stuck with paying XXXX back in private student loans across Navient and Sallie Mae. Sallie Mae has also made my financial hardships unmanageable as well. They have also hiked the interest rate severely and offer zero options other than paying almost $ XXXX. Between Sallie Mae and Navient, my monthly payment is {$1200.00}. Both offer zero option for any type of lowered payment and state - pay or default. Those are the two options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed a few account on my credit report that I did not recongize and i disputed it with the credit bureaus! But it has now been more than 30 days with no response! and they haven't provided validation or proof of these accounts belonging 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed a few account on my credit report that I did not recongize and i disputed it with the credit bureaus! But it has now been more than 30 days with no response! and they haven't provided validation or proof of these accounts belonging to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
Multiple Errors Across All 3 of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be THREE Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double Jeopardy Violation. 

The Legend Account Status for this Account : Is Empty/Blank for XXXX. 
Listed As CO repeatedly Every Month for the Past 2+ Years on My XXXXXXXX Consumer Report. 
Listed as OK on My Equifax Consumer Report repeatedly every month for the Past 2+ years. 

I have Lost Count of How Many Violations and Errors appear throughout my consumer reports. XXXX, XXXX and Equifax have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Multiple Errors Across All 3 of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be THREE Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double Jeopardy Violation. 

The Legend Account Status for this Account : Is Empty/Blank for XXXX. 
Listed As CO repeatedly Every Month for the Past 2+ Years on My Experian Consumer Report. 
Listed as OK on My XXXX Consumer Report repeatedly every month for the Past 2+ years. 

I have Lost Count of How Many Violations and Errors appear throughout my consumer reports. XXXX, Experian and XXXX have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX ] [ XXXX FL XXXX ] [ XXXX ] [ XX/XX/2024 ] XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against PNC for Mishandling of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PNC regarding the mishandling of my funds and the poor customer service experience I have encountered. Below are the details of my complaint : 1. **Issue Description** : - I have faced significant challenges in accessing my funds with PNC, leading to frustration and inconvenience. 
- Despite multiple attempts to resolve the issue, I have been given contradictory information and have been run around in circles by PNC representatives. 

XXXX. **Investigation Request** : - PNC failed to conduct a thorough investigation into the issues I raised, which has further exacerbated the situation. 

3. **Provisional Credit** : - On [ XX/XX/2024 ], I was provided provisional credit for certain disputes. However, I was unable to utilize these funds as I did not have a card. 
- Upon receiving and activating my card, the provisional funds were abruptly taken away without a valid explanation. 

4. **Lack of Information** : - PNC did not provide sufficient information regarding the reversal of the provisional credit, leaving me confused and dissatisfied with their service. 

5. **Blame Shifting** : - PNC representatives have consistently shifted blame onto other departments, failing to take ownership of the issues and provide a resolution. 

6. **Overall Poor Customer Support** : - Throughout this ordeal, I have experienced rude and unhelpful customer service from PNC, which has only added to my frustration. 

I believe that PNC 's mishandling of my funds and their lack of accountability and transparency are unacceptable. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the SITUATION Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Credit Card Company XXXX rewards card failed to post my payments on time. They closed my account due to the fact that my payments got reversed it says my payments has been posted but on their statements my payments didnt show up until XXXX weeks later. I called the customer rep and talk about the problem as Im getting late payments on my credit report. I provided them with my bank account for the automatic payments and still the same problem occurs. I keep getting charge late fees which they wave off but the derogatory marks in my report is what Im worried about. They deleted all my statements on my account I do not know how much I really owe them.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I had a lady that was working for me and she had access to all my personal information. She had access to my company cards and she ran the limit up, then she applied for a Home Depot card with her name on it with my information and they approved it without my knowledge. She got it and charged it up as well. I was in the hospital at this time, when they contacted me about the bill being late, I explained to him it wasnt my charges and they put it under investigation came back and said that they thought I put the girl up to this so I tried to work it out as a dispute on my credit, and they cant do anything to my credit until the lender sees that its fraud on the credit report. Since then, I filed a lawsuit against the girl and I have proof of that lawsuit. The company wouldnt work with me because I couldnt obtain a police report. When the police were contacted they told me it was an in-house matter told me to take it to Human Resources. The account was ultimately charged off for {$3000.00} in XX/XX/year>. Despite my best efforts, I have not been able to have this reported as fraud by Home Depot and has since affected my credit score.

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